# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-26-013206
**Filing Date:** 2026-2
**Character Count:** 2145079
**Document Hash:** ff2a25f984e56070d5c4b7b59565ede2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-013206.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0001213900-26-013206

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

**PUBLIC DOCUMENT COUNT**: 44

**CONFORMED PERIOD OF REPORT**: 20260206

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

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 26607070

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

OMB Number: 3235-0675

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

**FORM ABS-15G**

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person<br> 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) ☐

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

Central Index Key Number of sponsor: <u>0001889966</u> 

Barclays Mortgage Loan Trust 2026-NQM2<br>

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Sanyogita Lakhera (212) 526-4149

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

**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 Issuing Entity**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: February 6, 2026 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](ea027585701_ex99-1.htm)

[Schedule 1 – Data Compare](ea027585701_ex99-1sch1.htm)

[Schedule 2 – Exceptions Grades](ea027585701_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea027585701_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea027585701_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – Consolidated Analytics Narrative](ea027585701_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea027585701_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027585701_ex99-2sch2.htm)

[Schedule 3 – RA Grades Summary](ea027585701_ex99-2sch3.htm)

[Schedule 4 – Supplemental Report](ea027585701_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](ea027585701_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Clayton Narrative](ea027585701_ex99-3.htm)

[Schedule 1 – Conditions Detail](ea027585701_ex99-3sch1.htm)

[Schedule 2 – Loan Grades](ea027585701_ex99-3sch2.htm)

[Schedule 3 – Non ATR QM](ea027585701_ex99-3sch3.htm)

[Schedule 4 – RA ATR QM](ea027585701_ex99-3sch4.htm)

[Schedule 5 – Standard Upload](ea027585701_ex99-3sch5.htm)

[Schedule 6 – Valuations Summary](ea027585701_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – Evolve Narrative](ea027585701_ex99-4.htm)

[Schedule 1 – Data Compare Report](ea027585701_ex99-4sch1.htm)

[Schedule 2 – Exception Detail](ea027585701_ex99-4sch2.htm)

[Schedule 3 – QM ATR Data](ea027585701_ex99-4sch3.htm)

[Schedule 4 – RA Grades](ea027585701_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea027585701_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report – Canopy Narrative](ea027585701_ex99-5.htm)

[Schedule 1 – AM ATR Data Report](ea027585701_ex99-5sch1.htm)

[Schedule 2 – RA Grades Detail Report](ea027585701_ex99-5sch2.htm)

[Schedule 3 – RA Grades Summary](ea027585701_ex99-5sch3.htm)

[Schedule 4 – Valuation Report](ea027585701_ex99-5sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.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 Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from April 2019 through November 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (433 loans), and Business Purpose Scope (296 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope are together referred to as the mortgage loans.

**(2)** **Sample size of the assets reviewed.**<br> The initial population consisted of 729 mortgage loans.

The final population of the Review covered 729 mortgage loans totaling an aggregate original principal balance of approximately $310.664 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;Interest Only Period | &nbsp;&nbsp;Original Interest Rate Period |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Margin | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Value Used For LTV Calculation |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original CLTV |  |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate |  |

---

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.

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![](ex99-1_001.jpg)

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

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

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

**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.

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![](ex99-1_001.jpg)

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

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

**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.

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![](ex99-1_001.jpg)

▪ 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.

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<br> Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1\* / Loan Estimate (LE)\* / Closing Disclosure (CD)\* | &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 nonconforming (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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![](ex99-1_001.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);

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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

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;&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;&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.

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&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.

**(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;

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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;

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.

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

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

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

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

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

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

&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.

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

**(XI) FIRREA Review**

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&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;▪ Note;

&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;▪ Subordination
Agreement;

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

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

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

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

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

&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;▪ 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.

**(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 on the Form ABS Due Diligence-15E.

**OVERALL REVIEW RESULTS SUMMARY**

There were seven hundred twenty-nine (729) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria four hundred fifty-seven (457) loans (62.69%) had an Overall grade of "A", two hundred sixty-five (265) loans (36.35%) had an Overall grade of "B, and seven (7) loans (0.96%) had an Overall grade of "C".

---

| | | |
|:---|:---|:---|
| **S&P Overall Loan Grades** | **S&P Overall Loan Grades** | **S&P Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 457 | 62.69% |
| B | 265 | 36.35% |
| C | 7 | 0.96% |
| D | 0 | 0.00% |
| **Total** | **729** | **100.00%** |

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![](ex99-1_001.jpg)

**CREDIT RESULTS SUMMARY**

Five hundred seventy-five (575) loans (78.88%) reviewed received an "A" Credit grade, one hundred fifty-one (151) loans (20.71%) received a "B" Credit grade, and three (3) loans (0.41%) received a "C" credit grade.

---

| | | |
|:---|:---|:---|
| **S&P Credit Loan Grades** | **S&P Credit Loan Grades** | **S&P Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 575 | 78.88% |
| B | 151 | 20.71% |
| C | 3 | 0.41% |
| D | 0 | 0.00% |
| **Total** | **729** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Two hundred ninety-six (296) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable S&P NRSRO grading criteria two hundred ninety (290) loans (66.97%) had a Compliance grade of "A", one hundred forty-two (142) loans (32.79%) had a Compliance grade of "B, and one (1) loan (0.23%) had a Compliance grade of "C".

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| | | |
|:---|:---|:---|
| **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 290 | 66.97% |
| B | 142 | 32.79% |
| C | 1 | 0.23% |
| D | 0 | 0.00% |
| **Total** | **433** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were seven hundred twenty-nine (729) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria seven hundred fourteen (714) loans (97.94%) had a Property grade of "A", eleven (11) loans (1.51%) had a Property grade of "B", and four (4) loans (0.55%) had a Property grade of "C".

---

| | | |
|:---|:---|:---|
| **S&P Property Loan Grades** | **S&P Property Loan Grades** | **S&P Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 714 | 97.94% |
| B | 11 | 1.51% |
| C | 4 | 0.55% |
| D | 0 | 0.00% |
| **Total** | **729** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the seven hundred twenty-nine (729) Loans reviewed, three hundred seventy-three (373) unique Loans had five hundred nine (509) different tape discrepancies across twenty-four (24) data fields (some Loans had more than one data delta). The most variances were found on Contract Sales Price, Borrowers Last Name and Note Date.

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![](ex99-1_001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> <u>Discrepancy</u>** | **Total Times <br> <u>Compared</u>** | **%**<br> **Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | 0 | 48 | 0.00% | 729 |
| &nbsp;&nbsp;Amortization Term | 8 | 717 | 1.12% | 729 |
| &nbsp;&nbsp;Amortization Type | 3 | 719 | 0.42% | 729 |
| &nbsp;&nbsp;Appraisal Effective Date | 0 | 2 | 0.00% | 729 |
| &nbsp;&nbsp;Appraised Value | 0 | 2 | 0.00% | 729 |
| &nbsp;&nbsp;Borrower First Name | 1 | 43 | 2.33% | 729 |
| &nbsp;&nbsp;Borrower FTHB | 0 | 40 | 0.00% | 729 |
| &nbsp;&nbsp;Borrower Full Name | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Borrower Last Name | 66 | 401 | 16.46% | 729 |
| &nbsp;&nbsp;Borrower Qualifying FICO | 0 | 2 | 0.00% | 729 |
| &nbsp;&nbsp;City | 2 | 727 | 0.28% | 729 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | 0 | 1 | 0.00% | 729 |
| &nbsp;&nbsp;Contract Sales Price | 252 | 677 | 37.22% | 729 |
| &nbsp;&nbsp;Decision System | 9 | 40 | 22.50% | 729 |
| &nbsp;&nbsp;Doc Type | 0 | 1 | 0.00% | 729 |
| &nbsp;&nbsp;First Payment Date | 0 | 641 | 0.00% | 729 |
| &nbsp;&nbsp;Index Type | 0 | 2 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Only | 0 | 2 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Only Period | 0 | 7 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Rate Change Frequency | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Rate Initial Cap | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Rate Initial Floor | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Rate Life Cap | 1 | 1 | 100.00% | 729 |
| &nbsp;&nbsp;Interest Rate Life Floor | 2 | 3 | 66.67% | 729 |
| &nbsp;&nbsp;Interest Rate Life Max | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Interest Rate Life Min | 0 | 1 | 0.00% | 729 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 18 | 43 | 41.86% | 729 |
| &nbsp;&nbsp;Lien Position | 0 | 716 | 0.00% | 729 |
| &nbsp;&nbsp;LTV Valuation Value | 14 | 681 | 2.06% | 729 |
| &nbsp;&nbsp;Margin | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Maturity Date | 1 | 686 | 0.15% | 729 |
| &nbsp;&nbsp;MERS Min Number | 0 | 2 | 0.00% | 729 |
| &nbsp;&nbsp;Note Date | 35 | 722 | 4.85% | 729 |
| &nbsp;&nbsp;Occupancy | 0 | 45 | 0.00% | 729 |
| &nbsp;&nbsp;Original CLTV | 1 | 43 | 2.33% | 729 |
| &nbsp;&nbsp;Original Interest Rate | 2 | 726 | 0.28% | 729 |
| &nbsp;&nbsp;Original Interest Rate Period | 0 | 3 | 0.00% | 729 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 727 | 0.00% | 729 |
| &nbsp;&nbsp;Original LTV | 4 | 723 | 0.55% | 729 |
| &nbsp;&nbsp;Original P&I | 0 | 681 | 0.00% | 729 |
| &nbsp;&nbsp;Original Term | 0 | 680 | 0.00% | 729 |
| &nbsp;&nbsp;Originator Loan Designation | 30 | 385 | 7.79% | 729 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | 0 | 16 | 0.00% | 729 |

---

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![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Type | 6 | 49 | 12.24% | 729 |
| &nbsp;&nbsp;Purpose | 10 | 726 | 1.38% | 729 |
| &nbsp;&nbsp;Refi Purpose | 26 | 388 | 6.70% | 729 |
| &nbsp;&nbsp;Representative FICO | 6 | 723 | 0.83% | 729 |
| &nbsp;&nbsp;State | 0 | 727 | 0.00% | 729 |
| &nbsp;&nbsp;Street | 6 | 52 | 11.54% | 729 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | 1 | 2 | 50.00% | 729 |
| &nbsp;&nbsp;Value Used For LTV Calculation | 0 | 4 | 0.00% | 729 |
| &nbsp;&nbsp;Zip | 5 | 729 | 0.69% | 729 |
| &nbsp;&nbsp;**Total** | **509** | **14374** | **3.54%** | **729** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Fixed | 724 | 99.31% | $308189985.00 | 99.20% |
| &nbsp;&nbsp;Adjustable | 5 | 0.69% | $2473999.00 | 0.80% |
| &nbsp;&nbsp;**Total** | **729** | **100.00%** | **$310663984.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;1 | 729 | 100.00% | $310663984.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **729** | **100.00%** | **$310663984.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | 7 | 0.96% | $1414500.00 | 0.46% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 15 | 2.06% | $8558750.00 | 2.75% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 305 | 41.84% | $106528024.00 | 34.29% |
| &nbsp;&nbsp;Limited Cash-Out | 14 | 1.92% | $5966970.00 | 1.92% |
| &nbsp;&nbsp;First Time Home Purchase | 77 | 10.56% | $37081395.00 | 11.94% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | 252 | 34.57% | $108114254.00 | 34.80% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | 59 | 8.09% | $43000091.00 | 13.84% |
| &nbsp;&nbsp;**Total** | **729** | **100.00%** | **$310663984.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;241-360 Months | 675 | 92.59% | $288640820.00 | 92.91% |
| &nbsp;&nbsp;361+ Months | 54 | 7.41% | $22023164.00 | 7.09% |
| &nbsp;&nbsp;**Total** | **729** | **100.00%** | **$310663984.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | 415 | 56.93% | $179626998.00 | 57.82% |

---

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![](ex99-1_001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Condo, Low Rise | 37 | 5.08% | $10326538.00 | 3.32% |
| &nbsp;&nbsp;Condo, High Rise | 7 | 0.96% | $5512500.00 | 1.77% |
| &nbsp;&nbsp;PUD | 163 | 22.36% | $75532223.00 | 24.31% |
| &nbsp;&nbsp;Townhouse | 2 | 0.27% | $203350.00 | 0.07% |
| &nbsp;&nbsp;1 Family Attached | 19 | 2.61% | $4799100.00 | 1.54% |
| &nbsp;&nbsp;2 Family | 57 | 7.82% | $22493105.00 | 7.24% |
| &nbsp;&nbsp;3 Family | 17 | 2.33% | $5482520.00 | 1.76% |
| &nbsp;&nbsp;4 Family | 11 | 1.51% | $6451400.00 | 2.08% |
| &nbsp;&nbsp;Other | 1 | 0.14% | $236250.00 | 0.08% |
| &nbsp;&nbsp;**Total** | **729** | **100.00%** | **$310663984.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | **% of Balance** |
| &nbsp;&nbsp;Primary | 357 | 48.97% | $186010507.00 | 59.88% |
| &nbsp;&nbsp;Investment | 361 | 49.52% | $117443252.00 | 37.80% |
| &nbsp;&nbsp;Second Home | 11 | 1.51% | $7210225.00 | 2.32% |
| &nbsp;&nbsp;**Total** | **729** | **100.00%** | **$310663984.00** | **100.00%** |

---

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## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

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| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 2/4/2026 5:36:55 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [redacted] | [redacted] | [redacted] |  | 2 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 4 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 6 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 7 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 8 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 9 | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [redacted] | [redacted] | [redacted] |  | 12 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| [redacted] | [redacted] | [redacted] |  | 13 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Tape data decimal point is in the incorrect position. |
| [redacted] | [redacted] | [redacted] |  | 14 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Subject is XXXX story building and classified as a high-rise for securitization. |
| [redacted] | [redacted] | [redacted] |  | 15 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 15 | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [redacted] | [redacted] | [redacted] |  | 16 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 17 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 19 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 20 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| [redacted] | [redacted] | [redacted] |  | 20 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 21 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| [redacted] | [redacted] | [redacted] |  | 21 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 22 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 22 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per AUS DTI is 13.294% and calculated DTI is 13.294% |
| [redacted] | [redacted] | [redacted] |  | 22 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 23 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 23 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [redacted] | [redacted] | [redacted] |  | 23 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 26 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 28 | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 29 | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| [redacted] | [redacted] | [redacted] |  | 33 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 33 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field value is lower, owever as per AUS, child support income was considered and DTI is within range, hence child support income considered for Sandra. |
| [redacted] | [redacted] | [redacted] |  | 34 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 36 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 36 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 37 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 37 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 37 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 37 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 37 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 40 | Refi Purpose | [redacted] | [redacted] | Verified | Cash out to renovate an investment property or purchase an investment property. |
| [redacted] | [redacted] | [redacted] |  | 42 | Refi Purpose | [redacted] | [redacted] | Verified | Cash out Transaction as per 1008 |
| [redacted] | [redacted] | [redacted] |  | 43 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 46 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 46 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 48 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| [redacted] | [redacted] | [redacted] |  | 52 | Contract Sales Price | [redacted] | [redacted] | Verified | Subject loan is a refinance transaction. |
| [redacted] | [redacted] | [redacted] |  | 53 | Interest Rate Life Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| [redacted] | [redacted] | [redacted] |  | 55 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 56 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| [redacted] | [redacted] | [redacted] |  | 56 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 60 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 60 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 62 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 62 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 65 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 68 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| [redacted] | [redacted] | [redacted] |  | 69 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| [redacted] | [redacted] | [redacted] |  | 69 | Original LTV | 75.08 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [redacted] | [redacted] | [redacted] |  | 69 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 73 | Contract Sales Price | [redacted] | [redacted] | Verified | Seasoned > 6 months, not required |
| [redacted] | [redacted] | [redacted] |  | 74 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 74 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 75 | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| [redacted] | [redacted] | [redacted] |  | 76 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 76 | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction is a cash-out refinance. |
| [redacted] | [redacted] | [redacted] |  | 78 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 78 | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan is a rate and term refinance. |
| [redacted] | [redacted] | [redacted] |  | 79 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 81 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| [redacted] | [redacted] | [redacted] |  | 85 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 88 | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance Transaction. |
| [redacted] | [redacted] | [redacted] |  | 91 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 97 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 97 | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance Transaction. |
| [redacted] | [redacted] | [redacted] |  | 99 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 100 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 104 | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance Transaction. |
| [redacted] | [redacted] | [redacted] |  | 111 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 113 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 114 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 116 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 117 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 118 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 123 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 124 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 124 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 126 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 128 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 131 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 131 | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | 132 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 133 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 133 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 134 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 134 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 136 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 137 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 138 | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal |
| [redacted] | [redacted] | [redacted] |  | 139 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 140 | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| [redacted] | [redacted] | [redacted] |  | 144 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 150 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 153 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 155 | Original LTV | 33.33 | 36.69725 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [redacted] | [redacted] | [redacted] |  | 156 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 166 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 168 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 170 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 172 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 173 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 174 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| [redacted] | [redacted] | [redacted] |  | 175 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 176 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 178 | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal document |
| [redacted] | [redacted] | [redacted] |  | 179 | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal document |
| [redacted] | [redacted] | [redacted] |  | 180 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 182 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 182 | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal document |
| [redacted] | [redacted] | [redacted] |  | 182 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 183 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 183 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 185 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 187 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 189 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 191 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 191 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 192 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 194 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 195 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 196 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 200 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 200 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 202 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 205 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 205 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 206 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| [redacted] | [redacted] | [redacted] |  | 207 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 208 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 209 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 212 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 215 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 215 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 216 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 217 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 217 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 218 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 219 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 220 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 221 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 221 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 222 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 223 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 224 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 225 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 228 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 228 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| [redacted] | [redacted] | [redacted] |  | 229 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 231 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 231 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 232 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 234 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 234 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| [redacted] | [redacted] | [redacted] |  | 234 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 236 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| [redacted] | [redacted] | [redacted] |  | 236 | Refi Purpose | [redacted] | [redacted] | Verified | Only paying off subject mortgage and LOX from borrower cash out for home improvements on subejct property |
| [redacted] | [redacted] | [redacted] |  | 240 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 241 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| [redacted] | [redacted] | [redacted] |  | 244 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 247 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 247 | LTV Valuation Value | [redacted] | [redacted] | Verified | Bid tape is initial purchase used to determine LTV since purchased less than 6 months ago |
| [redacted] | [redacted] | [redacted] |  | 248 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 249 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 251 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 254 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 255 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 257 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 259 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 259 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 261 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 261 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 262 | Contract Sales Price | [redacted] | [redacted] | Verified | Updated as per fraud report. |
| [redacted] | [redacted] | [redacted] |  | 264 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 265 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 266 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 267 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 268 | Contract Sales Price | [redacted] | [redacted] | Verified | This is Refinance transaction. |
| [redacted] | [redacted] | [redacted] |  | 269 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 270 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 271 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 272 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 273 | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| [redacted] | [redacted] | [redacted] |  | 274 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 274 | Contract Sales Price | [redacted] | [redacted] | Verified | Updated as per appraisal report. |
| [redacted] | [redacted] | [redacted] |  | 275 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 275 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 275 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 277 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 281 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 281 | Original LTV | 65 | 61.90476 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [redacted] | [redacted] | [redacted] |  | 281 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 282 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 282 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 283 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 284 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 285 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 286 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 289 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 291 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 293 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 294 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 295 | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| [redacted] | [redacted] | [redacted] |  | 297 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 300 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 302 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 302 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 303 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 304 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 305 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 307 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 309 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| [redacted] | [redacted] | [redacted] |  | 313 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 314 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 316 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 318 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 318 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 319 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 319 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 320 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 321 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 322 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 324 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 326 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 330 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 330 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 330 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| [redacted] | [redacted] | [redacted] |  | 330 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 333 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 333 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 338 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 339 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 341 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 341 | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| [redacted] | [redacted] | [redacted] |  | 341 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 343 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| [redacted] | [redacted] | [redacted] |  | 346 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 346 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 348 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 351 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| [redacted] | [redacted] | [redacted] |  | 351 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 352 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 355 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| [redacted] | [redacted] | [redacted] |  | 360 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| [redacted] | [redacted] | [redacted] |  | 373 | Refi Purpose | [redacted] | [redacted] | Verified | LOX states cash out to be used for investment purposes. Also paying off several debts at closing. |
| [redacted] | [redacted] | [redacted] |  | 378 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 378 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 381 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 382 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 382 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 383 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 383 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 384 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 385 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 388 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 391 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 392 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 393 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 396 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 398 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 401 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 405 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 410 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 413 | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [redacted] | [redacted] | [redacted] |  | 416 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 419 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 420 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 423 | Interest Rate Life Floor | 6.499 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| [redacted] | [redacted] | [redacted] |  | 425 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| [redacted] | [redacted] | [redacted] |  | 427 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 428 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 442 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 443 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 443 | LTV Valuation Value | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | 446 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 449 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 449 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 452 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 453 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 461 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 462 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 462 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 464 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 465 | Originator Loan Designation | Safe Harbor QM | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 466 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 467 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 467 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 468 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 468 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 469 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 470 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 470 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 471 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 471 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 472 | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 473 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 473 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 474 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Investment property |
| [redacted] | [redacted] | [redacted] |  | 475 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 479 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 481 | Refi Purpose | [redacted] | [redacted] | Verified | Only paying off existing mortgage and borrower LOX states cash out for home improvements. |
| [redacted] | [redacted] | [redacted] |  | 482 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 486 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 487 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 488 | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [redacted] | [redacted] | [redacted] |  | 488 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 492 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 494 | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| [redacted] | [redacted] | [redacted] |  | 494 | Interest Rate Life Floor | 9.624 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| [redacted] | [redacted] | [redacted] |  | 502 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 506 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 507 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 509 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 510 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 511 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 512 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 513 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 513 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 514 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 514 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 514 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 515 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 516 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 520 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 520 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 521 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 524 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 525 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 527 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 528 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 529 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 530 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 531 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 533 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 536 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 537 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 539 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 545 | Purpose | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 545 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 545 | Refi Purpose | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 549 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 550 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 550 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 551 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 551 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 551 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 555 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 558 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 564 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 569 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 572 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 577 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 579 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 580 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 581 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 583 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 584 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 587 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 587 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 588 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 589 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 590 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 590 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 592 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Approval/AUS |
| [redacted] | [redacted] | [redacted] |  | 592 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 592 | Refi Purpose | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | 592 | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 595 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 595 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Designation correctly consider from loan |
| [redacted] | [redacted] | [redacted] |  | 596 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 600 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 604 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 605 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 611 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 611 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 612 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 613 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 614 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 616 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 617 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 618 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 623 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 624 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 628 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 629 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 630 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 631 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| [redacted] | [redacted] | [redacted] |  | 632 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 633 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 634 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 637 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 638 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 639 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 641 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 642 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 642 | Purpose | [redacted] | [redacted] | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| [redacted] | [redacted] | [redacted] |  | 642 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 642 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 646 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 647 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 649 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 651 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 652 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 653 | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| [redacted] | [redacted] | [redacted] |  | 654 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 656 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 656 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 656 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 657 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 658 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 659 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 661 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 662 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 665 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 667 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [redacted] | [redacted] | [redacted] |  | 667 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 668 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 669 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 670 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 679 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 679 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 680 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 680 | Originator Loan Designation | Exempt from ATR | N/A | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 682 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 682 | Refi Purpose | [redacted] | [redacted] |  |  |
| [redacted] | [redacted] | [redacted] |  | 686 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 687 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 688 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 689 | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [redacted] | [redacted] | [redacted] |  | 690 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 691 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 692 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 696 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 697 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 698 | Contract Sales Price | [redacted] | [redacted] | Verified | Alternate format, not a true discrepancy |
| [redacted] | [redacted] | [redacted] |  | 699 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 700 | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | 2 months proof of rent is not provided to consider actual rent. |
| [redacted] | [redacted] | [redacted] |  | 701 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| [redacted] | [redacted] | [redacted] |  | 701 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 701 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [redacted] | [redacted] | [redacted] |  | 701 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 702 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| [redacted] | [redacted] | [redacted] |  | 702 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 702 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [redacted] | [redacted] | [redacted] |  | 703 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [redacted] | [redacted] | [redacted] |  | 703 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 703 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field value is lower |
| [redacted] | [redacted] | [redacted] |  | 704 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 704 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is within tolerance of 1008 DTI. |
| [redacted] | [redacted] | [redacted] |  | 705 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 705 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Matching with updated AUS/1008 |
| [redacted] | [redacted] | [redacted] |  | 706 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 707 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 708 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 708 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI matches 1008 DTI. |
| [redacted] | [redacted] | [redacted] |  | 709 | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| [redacted] | [redacted] | [redacted] |  | 709 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| [redacted] | [redacted] | [redacted] |  | 709 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 709 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 710 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 710 | Refi Purpose | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 711 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| [redacted] | [redacted] | [redacted] |  | 711 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 711 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per 1008 DTI is 36.89% and calculated DTI is 36.90% |
| [redacted] | [redacted] | [redacted] |  | 712 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 712 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 713 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 713 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per AUS DTI is 25.82% and calculated DTI is 25.48% due to the investment property 862 Lawrence Dr. negative rental income of $-4655.91 vs 1003 of $-4811.03 |
| [redacted] | [redacted] | [redacted] |  | 714 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| [redacted] | [redacted] | [redacted] |  | 714 | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| [redacted] | [redacted] | [redacted] |  | 714 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | DTI difference due to rental income. |
| [redacted] | [redacted] | [redacted] |  | 715 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 715 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per AUS DTI is 41.21% and calculated DTI is 41.21% |
| [redacted] | [redacted] | [redacted] |  | 716 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 716 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 717 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| [redacted] | [redacted] | [redacted] |  | 717 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 717 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per AUS DTI is 49.39% and calculated DTI is 49.23% due to investment property 49 Appian Way Unit #A-P&I per credit report and mortgage statement $4221.20 vs 1003 $4292.00 |
| [redacted] | [redacted] | [redacted] |  | 718 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 718 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Audit DTI matches the 1008. |
| [redacted] | [redacted] | [redacted] |  | 718 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 719 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [redacted] | [redacted] | [redacted] |  | 720 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 720 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [redacted] | [redacted] | [redacted] |  | 720 | Original CLTV | 39.54 | 80 | 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) |
| [redacted] | [redacted] | [redacted] |  | 720 | Original LTV | 39.54 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [redacted] | [redacted] | [redacted] |  | 721 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 722 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 723 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| [redacted] | [redacted] | [redacted] |  | 723 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 723 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per AUS DTI is 44.66% and calculated DTI is 44.65% |
| [redacted] | [redacted] | [redacted] |  | 724 | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [redacted] | [redacted] | [redacted] |  | 724 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [redacted] | [redacted] | [redacted] |  | 724 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Variance in DTI is due to rental income considered by lender compared to the income derived from sourced document. |
| [redacted] | [redacted] | [redacted] |  | 724 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 725 | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [redacted] | [redacted] | [redacted] |  | 726 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 727 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 727 | Refi Purpose | [redacted] | [redacted] | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | 728 | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | 728 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per AUS DTI is 42.68% and calculated DTI is 42.69% due to the P&I amounts on REOs being rounded off and actual P&I amounts being entered from mortgage statements. |
| [redacted] | [redacted] | [redacted] |  | 728 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [redacted] | [redacted] | [redacted] |  | 729 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Per 1008 DTI is 41.885% and calculated DTI is 43.756% due to the subject negative rental of $-1826.11 vs 1008/LP of $-1746.94 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 2/5/2026 1:51:03 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | 2 | 28955287 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Excessive dti, insufficient reserves and residual income requirement not met, loan is waterfalling to a due diligence loan designation of ATR Risk. |  |  |  | Reviewer Comment (2023-01-17): Loan is Non-QM.<br>Buyer Comment (2023-01-12): Post Consummation Exception with additional compensating factors uploaded. Please escalate for review.<br>Reviewer Comment (2022-12-21): Re-open to address last remaining Credit exception related to ATR.<br>Reviewer Comment (2022-12-21): Loan is Non-QM.<br>Reviewer Comment (2022-10-31): Audit does not find the compensating factors listed in the approval to be compelling enough to justify a DTI that is exceeding guidelines by more than [redacted] points.<br>Buyer Comment (2022-10-31): Please note, approval by [redacted] meets guideline requirements and exception should be downgraded and waived.<br>Reviewer Comment (2022-10-21): Can be reviewed after all other exceptions have been addressed<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated [redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. | 01/17/2023 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 2 | 28955288 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-[redacted].) | Calculated dti exceeds guideline max, lender exception in file. | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Prior Homeownership experience (No [redaceted] or Short Sale)<br>[redacted]+ years on job | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2023-01-18): Lender exception provided.<br>Reviewer Comment (2023-01-17): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% significantly exceeds the guideline maximum of[redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br>Buyer Comment (2023-01-12): Post Consummation Exception with additional compensating factors uploaded. Please escalate for review.<br>Reviewer Comment (2022-12-21): Regraded to EV2-B based on comp factors provided by lender: Increased the borrower's housing payment by $[redacted]/mth, but paid off debts with monthly payments totaling $[redacted]/mth, so the loan resulted in a net savings of over $[redacted]/mth. The [redacted]% DTI is supported based on already operating at a DTI of [redacted]% with perfect credit - no derogs ever. This also mitigates the lack of reserves since cash flow was substantially increased. The [redacted]% LTV exception was minor, as the qualifying FICO was only [redacted] points from the [redacted]% matrix LTV; borrowers initially requested a [redacted]% LTV exception to [redacted]% to give them cash in hand for reserves, however lender elected to cut this back to [redacted]%. The residual exception is also minor, it would have been moot by downgrading the borrowers to CFA, but that would have materially increased the costs to the borrower solely based on their limited income (borrowers are in their [redacted]), which would not have been to their benefit.<br>Reviewer Comment (2022-10-31): Audit does not find the compensating factors listed in the approval to be compelling enough to justify a DTI that is exceeding guidelines by more than [redacted] points.<br>Buyer Comment (2022-10-31): Please note, approval by [redacted] meets guideline requirements and exception should be downgraded and waived.<br>Reviewer Comment (2022-10-21): The compensating factors do not appear to be compelling enough to support the DTI exceeding by more than [redacted] points in addition to multiple other exceptions to guidelines.<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated[redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. |  |  | 04/26/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955289 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated dti exceeds guideline max, lender exception in file. | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Prior Homeownership experience (No [redaceted] or Short Sale)<br>[redacted]+ years on job | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-05-05): Approved lender exception provided, downgrading exception.<br>Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2022-10-21): Lender exception provided<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated [redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. |  |  | 04/26/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955290 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Excessive dti, insufficient reserves and residual income requirement not met. |  |  |  | Reviewer Comment (2022-12-21): DTI exceeding guidelines downgraded to EV2-B based on comp factors. See related exception.<br>Reviewer Comment (2022-10-31): Audit does not find the compensating factors listed in the approval to be compelling enough to justify a DTI that is exceeding guidelines by more than [redacted] points.<br>Buyer Comment (2022-10-31): Please note, approval by[redacted] meets guideline requirements and exception should be downgraded and waived.<br>Reviewer Comment (2022-10-21): Can be reviewed after all other exceptions have been addressed<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated[redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. | 12/21/2022 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955291 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient reserves verified, lender exception in file. | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Prior Homeownership experience (No [redaceted] or Short Sale)<br>[redacted]+ years on job | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-05-05): Lender exception provided, downgrading.<br>Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2022-10-21): Lender exception provided.<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted]under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated [redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Reviewer Comment (2022-10-10): Exception Explanation Updated from: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. |  |  | 04/26/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955292 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | VOE for previous employer not provided. |  |  |  | Reviewer Comment (2022-10-04): VOE and WVOE provided verifying Previous Employment<br>Buyer Comment (2022-10-04): Previous VOE uploaded. | 10/04/2022 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955294 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. |  | Bank statement is more than [redacted] days old from the Note date. |  |  |  | Reviewer Comment (2022-10-10): Not using account, not listed on final loan application.<br>Buyer Comment (2022-10-05): Please note, exception was approved for reserve requirement not met. No assets were being used for qualifying and exception approved by [redacted]. | 10/10/2022 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955295 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted]-[redacted] form was used, the [redacted]-[redacted] form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  | Buyer Comment (2022-11-30): na |  |  | 11/30/2022 | 2 B |  | CO | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 2 | 28955296 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | The residua income requirement was not met. | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Prior Homeownership experience (No [redaceted] or Short Sale)<br>[redacted]+ years on job | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-05-05): Lender exception provided, downgrading.<br>Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2023-01-17): Lender Exception with Comp Factors provided for regrade and waive.<br>Buyer Comment (2023-01-12): Post Consummation Exception with additional compensating factors uploaded. Please escalate for review.<br>Reviewer Comment (2022-12-21): Do not see that approval lists exception for residual income in the exception comment section.<br>Reviewer Comment (2022-10-31): Audit does not find the compensating factors listed in the approval to be compelling enough to justify a DTI that is exceeding guidelines by more than [redacted] points.<br>Buyer Comment (2022-10-31): Please note, approval by [redacted] meets guideline requirements and exception should be downgraded and waived.<br>Reviewer Comment (2022-10-21): Lender exception does not include disposable income<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated [redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. |  |  | 04/26/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955297 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The LTV/CLTV exceeds guideline max of [redacted]%, lender exception in file[redacted] | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Prior Homeownership experience (No [redaceted] or Short Sale)<br>[redacted]+ years on job | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-05-05): Lender exception provided, downgrading.<br>Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2022-10-21): Lender exception provided<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by [redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated[redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. |  |  | 04/26/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 2 | 28955298 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The LTV/CLTV exceeds guideline max of [redacted]%, lender exception in file. | Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Prior Homeownership experience (No [redaceted] or Short Sale)<br>[redacted]+ years on job | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-05-05): Lender exception provided, downgraded exception.<br>Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2022-10-21): Lender exception provided.<br>Buyer Comment (2022-10-17): Please note, UPE exception approved PTC by[redacted] under Underwriting Exception Details reflects the approval dates with the Comp Factors listed and approval by [redacted] meets guideline requirements.<br>Reviewer Comment (2022-10-11): Lender provided the Approval previously provided dated [redacted] that states Lender Exceptions were provided for DTI, Reserves LTV/CLTV and Residual Income discrepancies but the Approved Lender Exceptions were not provided in the loan file with compensating factors as required. Exception remains.<br>Buyer Comment (2022-10-05): UPE approved PTC by [redacted] uploaded. |  |  | 04/26/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388341 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets were verified in the amount of [redacted]. Funds were required to close in the amount of [redacted]. The Earnest Money Deposits totaling [redacted] were not documented. |  |  |  | Reviewer Comment (2023-12-15): Received source documentation for EMD $[redacted]. Exception Cleared.<br>Buyer Comment (2023-12-12): Please proof EMD attached. Bank statement, Check for $[redacted]and additional deposit for $[redacted] | 12/15/2023 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388343 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Documentation in file indicates the borrower was provided with the appraisal on [redacted] and the report was not dated until [redacted]. There was no evidence of a prior report. |  |  |  | Buyer Comment (2024-01-03): \* |  |  | 01/03/2024 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388345 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets were verified in the amount of [redacted]. Funds were required to close in the amount of [redacted]. The Earnest Money Deposits totaling [redacted] were not documented. In addition, required [redacted] months reserves were not verified. |  |  |  | Reviewer Comment (2023-12-19): Sufficient funds to close provided.<br>Reviewer Comment (2023-12-15): Received source documentation for EMD $[redacted]. Initial deposit of $[redacted]is still undocumented. Asset documentation met for cash to close requirement. Reserve requirement still not met. Exception remains.<br>Buyer Comment (2023-12-12): Please proof EMD attached. Bank statement, Check for $[redacted]and additional deposit for $[redacted] | 12/19/2023 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388346 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Assets were verified in the amount of [redacted]. [redacted] months required reserves were not documented. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | [redacted] Exception with [redacted]<br>[redacted] Exception with [redacted]<br>[redacted] Exception with [redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-19): Lender Exception with Compensating Factors.<br>Reviewer Comment (2023-12-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2023-12-12): Please see the Non-Agency Loan Approval Summary attached, The File was approved for UW exception due to a lack of reserves |  |  | 12/19/2023 | 2 C B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388347 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to insufficient funds to close, reserves not met and Non-Warrantable Condominium Project is causing the loan to waterfall to Non-QM/ATR requirements. This results in a Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2023-12-19): Lender Exception with Compensating Factors.<br> System Cleared.<br>Buyer Comment (2023-12-12): Sorry but the UW exception includes No Warrantable Condo.<br>Buyer Comment (2023-12-12): Please see the Non-Agency Loan Approval Summary attached, The File was approved for UW exception due to a lack of reserves | 12/19/2023 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388348 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | Due to insufficient funds to close, reserves not met and Non-Warrantable Condominium Project is causing the loan to waterfall to Non-QM/ATR requirements. |  |  |  | Reviewer Comment (2023-12-19): Lender Exception with Compensating Factors.<br> System Cleared.<br>Buyer Comment (2023-12-12): Please see the Non-Agency Loan Approval Summary attached, The File was approved for UW exception due to a lack of reserves and non-warrantable condo | 12/19/2023 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Due to insufficient funds to close, reserves not met and Non-Warrantable Condominium Project is causing the loan to waterfall to Non-QM/ATR requirements. |  |  |  | Reviewer Comment (2023-12-19): Lender Exception with Compensating Factors.<br> System Cleared.<br>Buyer Comment (2023-12-12): Please see the Non-Agency Loan Approval Summary attached, The File was approved for UW exception due to a lack of reserves and non-warrantable condo | 12/19/2023 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 3 | 30388350 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a non-warrantable [redacted]. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | [redacted] Exception with [redacted]<br>[redacted] Exception with [redacted]<br>[redacted] Exception with [redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-19): Lender Exception with Compensating Factors. |  |  | 12/19/2023 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 4 | 30397001 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. CU and LCA results are contradictory. Missing Secondary Valuation. Sec ID: [redaction] |  | Secondary valuation is not provided. |  |  |  | Reviewer Comment (2023-08-16): A CDA supporting the value was provided. Exception cleared.<br>Buyer Comment (2023-08-13): CDA uploaded. | 08/16/2023 |  |  | 1 A D |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | D A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 4 | 30397003 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redaction] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redaction] Percent Fee Tolerance violation for Appraisal Fee in the amount of $[redacted] with no cure or change of circumstance provided to the borrower. |  |  |  | Reviewer Comment (2023-07-27): Sufficient Cure Provided At Closing |  | 07/27/2023 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399440 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood Insurance Policy is missing in file. |  |  |  | Reviewer Comment (2023-10-13): Flood Insurance Policy provided exception cleared.<br>Buyer Comment (2023-10-02): Flood policy provided and reviewer stated policy received. Please clear exception.<br>Reviewer Comment (2023-09-28): Flood policy provided.<br>Buyer Comment (2023-09-25): Flood insurance policy uploaded. | 10/13/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399441 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided |  | [redacted] Family Rider is missing in file. |  |  |  | Reviewer Comment (2023-09-28): Provided.<br>Buyer Comment (2023-09-25): Deed of trust with riders uploaded. | 09/28/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399442 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Identification proof of borrower is missing in file. |  |  |  | Reviewer Comment (2023-09-28): Provided<br>Buyer Comment (2023-09-25): USA Patriot Act disclosure uploaded. | 09/28/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399443 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Title Evidence is missing in file. |  |  |  | Reviewer Comment (2023-09-28): Provided.<br>Buyer Comment (2023-09-25): Final Title Policy uploaded. | 09/28/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399444 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Evidence is missing in file. |  |  |  | Reviewer Comment (2023-09-28): Provided.<br>Buyer Comment (2023-09-25): Final title policy uploaded. | 09/28/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399445 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment addendum to the note not provided. |  |  |  | Reviewer Comment (2023-09-28): Provided.<br>Buyer Comment (2023-09-25): Note including pp addendum uploaded. | 09/28/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | Yes |
| [redacted] | [redacted] | [redacted] | 5 | 30399446 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | The credit report indicated a charged-off account older than[redacted] years with a balance of [redacted] Guidelines required this to be paid or satisfied. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous<br>Miscellaneous | Prior homeownership experience. [redacted]<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-10-26): Lender exceptions with Compensating Factors.<br>Buyer Comment (2023-10-17): UPE approved PTC by [redacted] uploaded.<br>Buyer Comment (2023-10-17): UPE Approved PTC by [redacted] allowing loan to close without paying off charge off account. |  |  | 10/26/2023 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399447 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Calculated loan to value percentage of[redacted]exceeds Guideline loan to value percentage of [redacted] | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous<br>Miscellaneous | Prior homeownership experience. [redacted]<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-10-26): Lender exceptions with Compensating Factors.<br>Buyer Comment (2023-10-25): UPE Approved PTC by [redacted] uploaded.<br>Buyer Comment (2023-09-28): UPE approved PTC by [redacted] uploaded. |  |  | 10/26/2023 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399448 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated combined loan to value percentage of [redacted][redacted] exceeds Guideline combined loan to value percentage of[redacted] | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous<br>Miscellaneous | Prior homeownership experience. [redacted]<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-10-26): Lender exceptions with Compensating Factors.<br>Buyer Comment (2023-10-25): UPE Approved PTC by [redacted] uploaded.<br>Buyer Comment (2023-09-28): UPE approved PTC by [redacted] uploaded. |  |  | 10/26/2023 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399449 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of[redacted] |  |  |  | Reviewer Comment (2023-10-19): Asset documentation provided for borrower which meets reserve requirement of [redacted] months. Exception Cleared.<br>Buyer Comment (2023-10-16): [redacted] bank statements reflecting a balance of [redacted] and sourcing EMD clearing uploaded.<br>Reviewer Comment (2023-10-13): Please note we have received final CD for [redacted] property reflecting cash-out proceeds of amount [redacted] And also using funds from [Redcated](IRA) [redacted](at [redacted]). Total funds available is [redacted]. EMD is unsourced. Closing cost is [redacted] +[redacted] ([redacted]months reserves) . Total funds required is [redacted]. Provided assets does not cover funds requirement. Exception remains.<br>Buyer Comment (2023-09-28): Final CD for other property reflecting c/o proceeds used for reserves. | 10/19/2023 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399451 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous<br>Miscellaneous | Prior homeownership experience. [redacted]<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-10-26): Lender exceptions with Compensating Factors.<br>Buyer Comment (2023-10-25): UPE Approved PTC by [redacted] uploaded. |  |  | 10/26/2023 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 5 | 30399452 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]<br>Miscellaneous<br>Miscellaneous | Prior homeownership experience. [redacted]<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-10-26): Lender exceptions with Compensating Factors.<br>Buyer Comment (2023-10-25): UPE Approved PTC by [redacted] uploaded. |  |  | 10/26/2023 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686578 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | File is missing a full appraisal report. |  |  |  | Reviewer Comment (2023-06-27): Received 1004<br>Buyer Comment (2023-06-21): Please see Appraisal report attached. | 06/27/2023 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686579 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VA benefit documentation is missing from the file. |  |  |  | Reviewer Comment (2023-07-07): Trailing Dept. of Veterans Affairs VE entitlement provided.<br>Buyer Comment (2023-06-30): Please see VA award letter attached<br>Reviewer Comment (2023-06-27): Paystubs for primary employment already in file. Documentation to support VA Compensation of $[redacted]is still missing. Finding remains open.<br>Buyer Comment (2023-06-21): Please see Paystubs attached | 07/07/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686580 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: [redacted] |  | Full Appraisal is missing from the file. |  |  |  | Reviewer Comment (2023-06-27): Received 1004<br>Buyer Comment (2023-06-21): Loan is to be securitized. Appraisal is no need since the Collateral UW Risk Score is [redacted]. Please see document attached. | 06/27/2023 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686581 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | File is missing a post disaster inspection report. |  |  |  | Reviewer Comment (2023-06-27): Received 1004 which was dated after the disaster.<br>Buyer Comment (2023-06-21): Could you please double check if the County of [redacted] is an area that was affected by the T[redacted] According with FEMA this area was not affected. | 06/27/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686582 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to the file missing an appraisal, [redacted] Income Benefits documentation, and evidence of loan balance against the TSP used for reserves. |  |  |  | Reviewer Comment (2023-08-09): Received required documents.<br>Buyer Comment (2023-08-07): Please see response uploaded. Guidelines require asset to be reduced, documentation reflects balance excudles loan balance. | 08/09/2023 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | VA Benefit document and and evidence of loan balance against the TSP used for reserves are missing from the file. |  |  |  | Reviewer Comment (2023-08-09): Received required documents.<br>Buyer Comment (2023-08-07): Please see response uploaded. Guidelines require asset to be reduced, documentation reflects balance excudles loan balance. | 08/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686584 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section [redacted](a)([redacted]): Acknowledgment of the Fair Market Value not properly executed by the Lender. | The fair market value disclosure provided was not signed by the lender. |  |  |  | Reviewer Comment (2023-07-11): Received document signed by the lender.<br>Buyer Comment (2023-07-07): Please see Acknowledgement signed by Lender attached<br>Reviewer Comment (2023-07-07): Trailing Lender and Borrower Acknowledgment Regarding Fair Market Value of Homestead Property does not reflect the Lender's Representative signature, Title and Date. Findings remain open.<br>Buyer Comment (2023-07-01): Please see attached document<br>Reviewer Comment (2023-06-27): Document provided is still missing signature, date and title of Lender's Representative. Finding remains open.<br>Buyer Comment (2023-06-21): Please see attached document | 07/11/2023 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686585 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | [redacted]onstitution Section [redacted[(a)([redacted]): Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted]on an Original Principal Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted] or [redacted]%.) | [redacted] Constitution Section [redacted](a)([redacted]): Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted]on an Original Principal Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%.). |  |  |  | Reviewer Comment (2023-07-13): Evidence provided.<br>Buyer Comment (2023-07-11): See Rate Lock Rate attached. Please let us if this the information that you need to clear exception. Thanks<br>Reviewer Comment (2023-07-11): For compliance purposes, we will need evidence of the Undiscounted Rate and the Undiscounted Interest Rate Price.<br>Buyer Comment (2023-07-11): [redacted] calculation of [redacted] fees is $[redacted] well under the limit of $[redacted]. Appears that vendor is including discount points which are bonafide as par rate is [redacted]and note rate is [redacted]%, so all discount is bona fide and excluded from [redacted]calc. | 07/13/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | HOA is not reflected on page [redacted] and page [redacted] of the CD as non-escrowed costs. |  |  |  | Reviewer Comment (2023-06-22): [redacted] received post CD and LOX.<br>Buyer Comment (2023-06-21): Please see PCCD attached |  | 06/22/2023 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686587 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]percent tolerance violation in the amount of $[redacted]with no cure provided to the borrower. |  |  |  | Reviewer Comment (2023-06-21): [redacted] Received PCCD, LOE and Payment History<br>Buyer Comment (2023-06-20): Please see attached Disclosure history, PCCD, and payment history for the PR cure | 06/21/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686588 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]percent fee tolerance violation for discount points in the amount of $[redacted]with no cure provided to the borrower. |  |  |  | Reviewer Comment (2023-06-22): [redacted] received a valid COC.<br>Buyer Comment (2023-06-21): No Cure need. Increased in Discount Point Fees was caused doe to Rate Lock/Lock Extension/Relock. Please see LE dated on [redacted] COC and Proof of deliver attached | 06/22/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686589 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted]-[redacted] form was used, the [redacted]-[redacted] form should have been used. | The incorrect Notice of Right to Cancel form was used for a refinance transaction. |  |  |  | Reviewer Comment (2023-08-07): Lender provided LOE, proof of delivery, and reopened Rescission using the correct model form (H8), showing the new rescission date of [redacted] which has passed.<br>Buyer Comment (2023-07-27): Please see [redacted] form attached signed by bwr, proof of deliver and LOE. |  | 08/07/2023 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686590 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of VA benefits is missing from the file. |  |  |  | Reviewer Comment (2023-07-07): Trailing Dept. of Veterans Affairs VE entitlement provided.<br>Buyer Comment (2023-06-30): Please see attached<br>Reviewer Comment (2023-06-27): Paystubs for primary employment already in file. Documentation to support VA Compensation of $[redacted] is still missing. Finding remains open.<br>Buyer Comment (2023-06-21): Please see paystubs attached | 07/07/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing the verification of VA benefits to confirm income and evidence of loan balance against the Thrift Savings Plan used for reserves. |  |  |  | Reviewer Comment (2023-08-09): Received required documents.<br>Buyer Comment (2023-08-07): Please see response uploaded. Guidelines require asset to be reduced, documentation reflects balance excudles loan balance. | 08/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686592 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) | [redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. | The fair market value disclosure provided is not signed by the lender. |  |  |  | Reviewer Comment (2023-07-07): Trailing Lender and Borrower Acknowledgment Regarding Fair Market Value of Homestead Property reflects the fair market value of the homestead property is $[redacted]matching the appraised value. | 07/07/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686594 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (CLTV Exceeds 80% Threshold) | [redacted] Constitution Section [redacted](a)([redacted]): CLTV of [redacted]% exceeds [redacted]% of $[redacted](the value reflected on the [redacted]). | FIle is missing a full appraisal report. |  |  |  | Reviewer Comment (2023-07-07): Trailing Lender and Borrower Acknowledgment Regarding Fair Market Value of Homestead Property reflects the fair market value of the homestead property is $[redacted].<br>Buyer Comment (2023-07-01): Please see Appraisal report attached | 07/07/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. D B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686595 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted]onstitution Section [redacted](a)([redacted]): [redacted] Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2023-07-13): Evidence provided.<br>Buyer Comment (2023-07-11): Please see Initial 1003 application Attached. | 07/13/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686596 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | [redacted] Constitution Section [redacted](a)([redacted]): [redacted] Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (2023-07-07): Receipt of Copies of Signed Loan Documents provided.<br>Buyer Comment (2023-07-01): Please see attached | 07/07/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686597 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | [redacted] Constitution Section [redacted](a)([redacted]): Unable to determine if loan was closed at an authorized location due to missing documentation. |  |  |  |  | Buyer Comment (2023-08-04): \* |  |  | 08/04/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686598 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Both paystubs and [redacted]Savings Plan reflect repayment of a loan. Provide evidence of loan balance that remains outstanding. |  |  |  | Reviewer Comment (2023-08-09): There was no indication the balance was effected by a loan.<br>Buyer Comment (2023-08-07): Please see response uploaded. Guidelines require asset to be reduced, documentation reflects balance excudles loan balance. | 08/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686599 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Both paystubs and [redacted]Savings Plan reflect repayment of a loan. Provide evidence of loan balance that remains outstanding. |  |  |  | Reviewer Comment (2023-08-09): There was no indication the balance was effected by a loan.<br>Buyer Comment (2023-08-07): Please see response uploaded. Guidelines require asset to be reduced, documentation reflects balance excudles loan balance.<br>Reviewer Comment (2023-07-26): Trailing [redacted] Savings Plan - Civilian dated [redacted] excludes remaining loan balance. Guidelines reflect the value of the Asset must be reduced by the amount of debt when calculating funds to close and reserves. The loan balance is not provided.<br>Buyer Comment (2023-07-18): Please see attached document. Borrower sent me and screenshot which shows that Balance on his TSP plan is $[redacted] after what ever is the Loan Balance against his retirement acct. So if you you to try to vrf how much is the funds to close and reserves you may take form the amount that bwr sent me.<br>Reviewer Comment (2023-07-11): Page [redacted]of the guidelines[redacted], under Retirement, Savings Plan Loans, required that the value of the asset must be reduced by the amount of the debt when calculating funds to close and reserves. <br>The loan balance is not provided on the [redacted] Saving Plan document.<br>Buyer Comment (2023-07-10): Please see Guidelines attached. Could you please let me know on which part of the guidelines stated that the remaining Balance of the loan needs to be submit it? | 08/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 7 | 31686600 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2023-06-22): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/22/2023 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 7 | 31686601 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | File does not contain any evidence of delivery of the appraisal to the borrower at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2023-08-03): \* |  |  | 08/03/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686839 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-12-09): UCDP < [redacted]<br>Reviewer Comment (2023-12-08): [redacted] UCDP is required and [redacted]UCDP received. Exception remains.<br>Buyer Comment (2023-11-29): No secondary valuation required, [redacted] report uploaded to support score of [redacted] | 12/09/2023 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686842 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | [redacted] Constitution Section [redcated](a)([redacted]): Points and fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Original Principal Loan Amount. Points and Fees total $[redacted]on an Original Principal Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%.) |  |  |  |  | Reviewer Comment (2023-12-09): Rate lock provided. System Cleared.<br>Buyer Comment (2023-12-01): bona fide discount pt applied to rate, see lock provided, once applied points and fees are in line | 12/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 8 | 31686843 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted] Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted]T-[redacted]endorsement or the T-[redacted]endorsement. (The loan is a [redacted]Section [redacted] home equity loan.) |  |  |  |  | Reviewer Comment (2023-12-09): Final title provided.<br>Buyer Comment (2023-11-29): Title policy uploaded | 12/09/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D B A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686844 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) | [redacted]onstitution Section [redacted](a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. |  |  |  |  | Buyer Comment (2024-01-03): compliance approved<br>Reviewer Comment (2023-12-09): Disclosure reflects $[redacted], yet value is $[redacted]. Unable to clear.<br>Buyer Comment (2023-11-29): Fair Market Value Disc fully executed uploaded |  |  | 01/03/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B A C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 8 | 31686845 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted] Change of circumstance is not provided in the file |  |  |  | Reviewer Comment (2023-11-30): [redacted] received PCCD, LOe and payment history<br>Buyer Comment (2023-11-29): Cure and Corrected CD uploaded | 11/30/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 8 | 31686846 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt |  |  |  | Reviewer Comment (2023-12-09): Delivery provided. System Cleared.<br>Buyer Comment (2023-11-29): Appraisal delivered to applicant prior to closing uploaded | 12/09/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686847 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted]form should have been used. |  |  |  |  | Reviewer Comment (2024-01-02): Provided the following: Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form.<br>Buyer Comment (2023-12-26): [redacted] signed by all title holders<br>Reviewer Comment (2023-12-22): Right to Cancel provided but missing signed by the all title holders. Please provide Right to Cancel form signed by all title holders. Exception remains.<br>Reviewer Comment (2023-12-22): Acknowledge Request to Borrower. Please inform when signed and updated RTC is uploaded.<br>Buyer Comment (2023-12-13): Request to borrower for updated signed [redacted] form<br>Buyer Comment (2023-12-13): [redacted] label for request shipment of [redacted]<br>Buyer Comment (2023-12-13): Updated [redacted] form signed/dated |  | 01/02/2024 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 8 | 31686848 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2023-12-09): Rate lock provided. System Cleared.<br>Buyer Comment (2023-12-01): rate sheet and lock uploaded | 12/09/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686849 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2023-12-09): Delivery provided. System Cleared.<br>Buyer Comment (2023-12-01): Evidence of appraisal delivery uploaded | 12/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686850 |  | 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 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-12-09): Delivery provided. System Cleared.<br>Buyer Comment (2023-11-29): Appraisal delivered to borrower uploaded | 12/09/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 8 | 31686851 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]%. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2023-12-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 12/09/2023 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 9 | 31687011 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Additional bank statement is required for the account ending [redacted]. |  |  |  | Reviewer Comment (2024-02-21): Account number ending with [redacted]is not considered for Asset requirement as per Most recent 1003 and 1008. Details verified and updated hence cleared the Exception.<br>Buyer Comment (2024-02-14): removed assets from qualifying, updated 1003/1008 uploaded | 02/21/2024 |  |  | 1 C A |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 9 | 31687012 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Additional bank statement is required for the account ending [redacted]. |  |  |  | Reviewer Comment (2024-02-21): Account number ending with [redacted]not considered for Asset requirement as per Most recent 1003 and 1008. Details verified and updated hence cleared the Exception.<br>Buyer Comment (2024-02-14): removed assets from qualifying, updated 1003/1008 uploaded, signature not required since change does not impact qualification | 02/21/2024 |  |  | 1 C A |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 9 | 31687014 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-02-21): Exception cleared. CU score considered from Property report. Details verified and updated.<br>Buyer Comment (2024-02-14): property report uploaded, cu score is [redacted] | 02/21/2024 |  |  | 1 D A |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 9 | 31687015 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Loan to value percentage of [redacted]% is been calculated but as per guideline maximum limit loan to value percentage is [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-02-09): Lender Exception with Compensating Factors. |  |  | 02/09/2024 | 2 B |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 9 | 31687019 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-02-15): [redacted]Received PCCD and LOE<br>Buyer Comment (2024-02-14): Corrected CD and Cure uploaded | 02/15/2024 |  |  | 1 C A |  | AL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 9 | 31687020 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-02-15): [redacted] Received PCCD and LOE<br>Buyer Comment (2024-02-14): Cure and corrected CD | 02/15/2024 |  |  | 1 C A |  | AL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 9 | 31687021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-02-22): [redacted] Received PCCD, LOE and Payment history<br>Buyer Comment (2024-02-21): cure and updated cd |  | 02/22/2024 |  | 2 C B |  | AL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 9 | 31687022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Additional bank statement is required for the account ending [redacted]. |  |  |  | Reviewer Comment (2024-02-21): Account number ending with [redacted] is not considered for Asset requirement as per Most recent 1003 and 1008. Details verified and updated hence cleared the Exception.<br>Buyer Comment (2024-02-14): assets not needed for transaction, removed from qualifying. updated 1008-1003 uploaded | 02/21/2024 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 9 | 31687023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Additional bank statement is required for the account ending [redacted]. |  |  |  | Reviewer Comment (2024-02-21): Account number ending with [redacted] not considered for Asset requirement as per Most recent 1003 and 1008. Details verified and updated hence cleared the Exception.<br>Buyer Comment (2024-02-14): removed asset from qualifying, not needed. updated 1008/1003 uploaded. signature not required since change is minimal and does not impact decision | 02/21/2024 |  |  | 1 C A |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 9 | 31687024 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Additional bank statement is required for the account ending [redacted]. |  |  |  | Reviewer Comment (2024-02-21): Account number ending with [redacted]is not considered for Asset requirement as per Most recent 1003 and 1008. Details verified and updated hence cleared the Exception.<br>Buyer Comment (2024-02-14): removed asset from qualifying, updated 1008/1003 uploaded. 1003 not signed since change was not significant and did not impact decision | 02/21/2024 |  |  | 1 C A |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 9 | 31687025 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is defaulting to QM Testing as asset requirements were not met. Additional bank statement is required for the account ending [redacted]. |  |  |  | Reviewer Comment (2024-02-21): Account number ending with [redacted]not considered for Asset requirement as per Most recent 1003 and 1008. Details verified and updated hence cleared the Exception.<br>Buyer Comment (2024-02-14): removed asset from qualifying, updated 1008/1003 provided. did not require 1003 signature since change is minimal | 02/21/2024 |  |  | 1 C A |  | AL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 10 | 31690005 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[redacted]is less than Guideline minimum loan amount of $[redacted]. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | LTV is at least [redacted]% <br> Prior Homeownership Experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-09): Compensating Factor Update.<br>Reviewer Comment (2024-08-30): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-08-30): Compensating Factor Update.<br>Reviewer Comment (2024-08-30): .<br>Reviewer Comment (2024-08-13): Lender exception with compensating factors.<br>Buyer Comment (2024-08-07): Revised exception approval with mitigating factors uploaded.<br>Reviewer Comment (2024-07-16): Agree with guidelines that [redacted] can approve and exception that do not meet the minimum requirement for Catagory A and B but compelling compensating factors are still required to waive and downgrade an exception.<br>Buyer Comment (2024-07-12): Please see Underwriting Exception Request Policy. Guidelines do not require one CF with [redacted] approval.<br>Reviewer Comment (2024-07-09): At least one compensating factor and [redacted] aproval required in order to waive exceptions. We have [redacted] approval and now we need at least one compensating fator.<br>Buyer Comment (2024-07-06): Please note, [redacted] approval issued with no referenced CFs and meets guideline requirements.<br>Reviewer Comment (2024-07-05): Please provide valid compensating factors to downgrade/waive exception.<br>Buyer Comment (2024-06-28): Post Consummation Exception Approval for loan amount uploaded. |  |  | 08/30/2024 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 10 | 31690006 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted]is less than Guideline representative FICO score of [redacted]required by guidelines for living rent free. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | LTV is at least [redacted]% <br> Prior Homeownership Experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-09): Compensating Factor Update.<br>Reviewer Comment (2024-08-30): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-08-30): Compensating Factor Update.<br>Reviewer Comment (2024-08-13): Lender exception with compensating factors.<br>Buyer Comment (2024-08-07): Updated UPE approved PTC by [redacted] with mitigating factors uploaded.<br>Reviewer Comment (2024-07-16): Agree with guidelines that [redacted] can approve and exception that do not meet the minimum requirement for Catagory A and B but compelling compensating factors are still required to waive and downgrade an exception.<br>Buyer Comment (2024-07-12): Please see Underwriting Exception Request Policy. Guidelines do not require one CF with [redacted] approval.<br>Reviewer Comment (2024-07-09): At least one compensating factor and [redacted] aproval required in order to waive exceptions. We have [redacted] approval and now we need at least one compensating fator.<br>Buyer Comment (2024-07-06): Please note, [redacted] approval issued with no referenced CFs and meets guideline requirements.<br>Reviewer Comment (2024-07-05): Please provide valid compensating factors to downgrade/waive exception.<br>Buyer Comment (2024-06-28): UPE approved PTC by [redacted] uploaded.<br>Reviewer Comment (2024-06-14): Please provide valid compensating factors to downgrade/waive exception as reserves are coming from loan proceeds that are not eligible per exception guidelines. |  |  | 08/13/2024 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 10 | 31690007 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is a non-warrantable condo which is ineligible per guidelines. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | LTV is at least [redacted]% <br> Prior Homeownership Experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-09): Compensating Factor Update.<br>Reviewer Comment (2024-08-30): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-08-30): Compensating Factor Update.<br>Reviewer Comment (2024-08-13): Lender exception with compensating factors.<br>Buyer Comment (2024-08-07): Updated UPE approved PTC by [redacted] with mitigating factors uploaded.<br>Reviewer Comment (2024-07-16): Agree with guidelines that [redacted] can approve and exception that do not meet the minimum requirement for Catagory A and B but compelling compensating factors are still required to waive and downgrade an exception.<br>Buyer Comment (2024-07-12): Please see Underwriting Exception Request Policy. Guidelines do not require one CF with [redacted] approval.<br>Reviewer Comment (2024-07-09): At least one compensating factor and [redacted] aproval required in order to waive exceptions. We have [redacted] approval and now we need at least one compensating fator.<br>Buyer Comment (2024-07-06): Please note, [redacted] approval issued with no referenced CFs and meets guideline requirements.<br>Reviewer Comment (2024-07-05): Please provide valid compensating factors to downgrade/waive exception.<br>Buyer Comment (2024-06-28): UPE approved PTC by [redacted] uploaded.<br>Reviewer Comment (2024-06-14): Please provide valid compensating factors to downgrade/waive exception as reserves are coming from loan proceeds that are not eligible per exception guidelines |  |  | 08/13/2024 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 10 | 31690008 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  |  |  | Reviewer Comment (2024-07-05): Updated flood cert provided with corrected address, exception cleared.<br>Buyer Comment (2024-07-01): Corrected flood cert uploaded. | 07/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 10 | 31690009 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  |  |  |  |  | Reviewer Comment (2024-07-05): Updated CDA provided with corrected address, exception cleared.<br>Buyer Comment (2024-06-28): Updated CDA uploaded. | 07/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 11 | 31690181 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lease agreement provided in file is not signed by the tenant(s). | Borrower has a clean housing payment history<br>Miscellaneous<br>Borrower's Experience/Track Record | Prior homeownership experience with (No FC or Short Sale).<br>Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months ([redacted]x[redacted]).<br>Borrower's Experience/Track Record. The borrower has: [redacted] Years of Experience. | Originator<br>Originator<br>SitusAMC | Reviewer Comment (2024-08-30): Compensating Factor Update.<br>Reviewer Comment (2024-08-13): Lease not required if LTV =<[redacted]%.<br>Buyer Comment (2024-08-08): Valid CFs were included on the exception approval. Multiple Mortgages ([redacted]+) reported on credit seasoned [redacted]+ months & [redacted]x[redacted], and prior homeownership experience (No FC or SS).<br>Reviewer Comment (2024-08-07): Please provide valid compensating factors to downgrade/waive exception.<br>Buyer Comment (2024-07-30): Post Consummation Exception Approval for lease not signed. Underwriter has reviewed the lease to cover any issues with no right of refusal in place within the lease. |  |  | 08/30/2024 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 12 | 31714480 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  | 02/03/2026 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 13 | 31714556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance of $-[redacted]. |  |  |  | Reviewer Comment (2024-05-20): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.<br>Buyer Comment (2024-05-17): See attached cure package, check copy and proof of delivery |  | 05/20/2024 |  | 2 C B |  | FL | Second Home | 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 (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 13 | 31714557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is under disclosed by $-[redacted]ompared to the calculated Amount Financed of $[redacted]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 [redacted]). | Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance of $-[redacted]. |  |  |  | Reviewer Comment (2024-05-20): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD. |  | 05/20/2024 |  | 2 C B |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 14 | 31714986 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2024-08-06): seller accepts with no change in grading |  |  | 08/06/2024 | 2 B |  | TX | Second Home | Purchase | Good Faith Redisclosure D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 14 | 31714988 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing a copy of the condominium master policy. |  |  |  | Reviewer Comment (2024-08-12): Master Policy provided. Exception cleared.<br>Buyer Comment (2024-08-09): see attached | 08/12/2024 |  |  | 1 C A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 14 | 31714990 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [redacted] Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-08-22): BPO provided and supports value, exception cleared. | 08/22/2024 |  |  | 1 D A |  | TX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 15 | 32460560 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Tax Return Extension (for Business) [redacted] is missing for [redacted]. |  |  |  | Reviewer Comment (2024-08-28): Received Business extension for the year [redacted]for [redacted].. Exception Cleared<br>Buyer Comment (2024-08-26): [redacted]<br>Reviewer Comment (2024-08-20): Received Business extension for the year [redacted], require [redacted]Year Business extension for [redacted].. Exception Remains<br>Buyer Comment (2024-08-16): uploaded BD Extension | 08/28/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 15 | 32460561 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Collateral R&W Relief not eligible. LCA Risk is [redacted]. |  |  |  | Reviewer Comment (2024-08-13): CDA Received. Exception Cleared<br>Buyer Comment (2024-08-12): CDA | 08/13/2024 |  |  | 1 D A |  | TN | Investment | Purchase | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 16 | 32460605 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA was not provided. LCA Risk Score is [redacted]. |  |  |  | Reviewer Comment (2024-09-17): Received CDA and associated. Exception Cleared<br>Buyer Comment (2024-09-16): CDA | 09/17/2024 |  |  | 1 D A |  | NJ | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 17 | 32460647 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing cash flow analysis or CPA letter for use of business assets confirming no impact acct# [redacted] |  |  |  | Reviewer Comment (2024-10-18): Received asset cashflow analysis along with 1008 with Underwriter confirming no negative impact for using business funds. Exception Cleared<br>Buyer Comment (2024-10-17): 1008<br>Reviewer Comment (2024-10-08): Received Cashflow analysis however it does not have underwriter comment confirming using full amount won't impact the business. it has only total credit - total debit information. Exception Remains<br>Buyer Comment (2024-10-07): Cash flow<br>Reviewer Comment (2024-10-04): Received hazard Insurance Binder/Evidence Document. We need cash flow analysis or CPA letter for use of business assets confirming no impact acct# [redacted]. Exception Remains<br>Buyer Comment (2024-10-04): Hazard policy with policy number | 10/18/2024 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 18 | 32460672 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Documentation of HOI premium for[redacted] of $[redacted]and $[redacted]for [redacted][redacted]. |  |  |  | Reviewer Comment (2024-10-23): Documentation that supports PITIA for each property was provided.<br>Reviewer Comment (2024-10-23): Received similar hazard Insurance Policy document for the REO property. As per the final 1003 Monthly Insurance, Taxes and Association Dues, etc. is reflecting $[redacted]. Verified Tax in the amount $[redacted]. Unverified in the amount $[redacted]=Total:- $[redacted]. Exception Remains<br>Buyer Comment (2024-10-21): [redacted] HOI<br>Buyer Comment (2024-10-21): [redacted]<br>Buyer Comment (2024-10-21): HOI<br>Buyer Comment (2024-10-21): HOI [redacted]<br>Reviewer Comment (2024-10-18): Received a copy of hazard Insurance for [redacted] with the premium amount $[redacted]. As per the final 1003 Monthly Insurance, Taxes and Association Dues, etc. is reflecting $[redacted]. Verified Tax in the amount $[redacted]. Unverified in the amount $[redacted]=Total:- $[redacted]. For the REO property [redacted] Monthly Insurance, Taxes and Association Dues, etc. is reflecting $[redacted]. Taxes are escrowed. Hazard insurance document provided does not reflect the premium amount. Exception Remains.<br>Buyer Comment (2024-10-17): HOI Andover<br>Buyer Comment (2024-10-17): HOI [redacted] | 10/23/2024 |  |  | 1 C A |  | ME | Investment | Purchase | D B C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 18 | 32460673 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-10-24): Received CDA Exception cleared<br>Buyer Comment (2024-10-23): CDA | 10/24/2024 |  |  | 1 D A |  | ME | Investment | Purchase | D B C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 18 | 32460674 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Flood determination was on [redacted], Disclosure not dated until closing [redacted] |  |  |  | Buyer Comment (2024-10-25): Acknowledged as non-material. |  |  | 10/25/2024 | 2 B |  | ME | Investment | Purchase | D B C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 18 | 32460675 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | It appears the payment for the secondary financing on the borrowers' primary residence of $[redacted]/mo was left out of the qualifying ratios. When included the DTI is over the allowable tolerance for AUS. |  |  |  | Reviewer Comment (2024-10-18): Second Mortgage is paid off. CD received. Exception Cleared<br>Buyer Comment (2024-10-17): CD for refi pf primary | 10/18/2024 |  |  | 1 C A |  | ME | Investment | Purchase | D B C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 21 | 32460718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2024-11-07): Original Appraisal received. Exception Cleared<br>Buyer Comment (2024-11-05): Original report | 11/07/2024 |  |  | 1 B A |  | NC | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 21 | 32460719 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Need a copy of Project Approval approval. |  |  |  | Reviewer Comment (2024-11-13): Attestation provided.<br>Buyer Comment (2024-11-11): Lender attestation<br>Reviewer Comment (2024-11-08): Require Project Approval document Confirming Approval from FHLMC/[redacted] to verify condo is warrantable. Exception Remains<br>Buyer Comment (2024-11-06): See 1008 | 11/13/2024 |  |  | 1 C A |  | NC | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 22 | 32460841 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-10-17): Re-designated to HPQM at client request.<br>Buyer Comment (2024-10-17): Please re-designate to HPQM.<br>Reviewer Comment (2024-10-17): Loan needs to be re-designated to HPQM.<br>Buyer Comment (2024-10-16): Please clear and move loan to complete - no QM exceptions exist | 10/17/2024 |  |  | 1 B A C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 22 | 32460842 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Re-designated to HPQM at client request. |  |  |  | Reviewer Comment (2024-10-17): Re-designated to HPQM at client request. |  |  | 10/17/2024 | 2 A B |  | NC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 23 | 32460861 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of [redacted]valuation report required for securitization purpose. |  |  |  | Reviewer Comment (2024-11-05): Received CDA. Exception Cleared<br>Buyer Comment (2024-11-04): CDA | 11/05/2024 |  |  | 1 D A |  | UT | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 23 | 32460864 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Evidence of HELOC disbursement of $[redacted]missing in file. |  |  |  | Reviewer Comment (2024-11-05): Received HELOC Proceed Disbursement verification. Using only $[redacted] as it is actual funds withdrawn. Exception Cleared<br>Buyer Comment (2024-11-01): asset documents | 11/05/2024 |  |  | 1 C A |  | UT | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 23 | 32460865 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-25): Sufficient Cure Provided At Closing |  | 10/25/2024 |  | 1 A |  | UT | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 24 | 32960594 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Missing official flood zone determination certificate. Flood map document from appraisal was included to support not in a flood zone however the official document was not provided |  |  |  | Reviewer Comment (2019-11-08): Waived per client request<br>Buyer Comment (2019-11-07): [redacted] has agreed to waive this exception as the underwriting file contains a FEMA flood map |  |  | 11/08/2019 | 3 C |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 24 | 32960598 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | Background check for [redacted] indicate criminal history however it is unspecified .We are unable to determine whether it is a fraud or felony filing | [redacted] FICO |  | Aggregator | Reviewer Comment (2019-11-18): Waived with comp factor<br>Buyer Comment (2019-11-15): [redacted] has agreed to waive. comp factors are FICO LTV |  |  | 11/18/2019 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 25 | 32960621 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2019-07-25): Received OFAC exception cleared.<br>Buyer Comment (2019-07-24): OFAC uploaded | 07/25/2019 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 25 | 32960622 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PDTI is [redacted]% vs. program requirement of less than or equal to [redacted]% (PITI [redacted]). Lender calculation did not include the Supplemental taxes from the Preliminary Title report. |  |  |  | Buyer Comment (2019-07-26): [redacted] Responded with - Uploaded the tax bill for [redacted] to [redacted] This represents the property taxes that were billed to guarantor for an annual period, representing $[redacted]. This is what we go off of to calculate [redacted]/PDTI. If [redacted] doesn't agree and wants to pass, will have to pull. <br>[redacted] believes Supplemental taxes should be included in the payment. Please advise if [redacted] would like to waive or kick. Per [redacted] will waive.<br>Buyer Comment (2019-07-24): Sent to [redacted] for review<br>Buyer Comment (2019-07-24): Please see Tax Bill |  |  | 07/26/2019 | 3 C |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 26 | 32960791 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2019-11-16): Received.<br>Buyer Comment (2019-11-14): Hello please clear, exception was sent back to me<br>Reviewer Comment (2019-11-14): Received<br>Buyer Comment (2019-11-13): uploaded | 11/16/2019 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 26 | 32960792 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ |  |  |  |  | Reviewer Comment (2020-01-07): Received<br>Buyer Comment (2020-01-02): The exterior appraisal reflects the property is in good condition. Please clear<br>Reviewer Comment (2019-12-28): Exception remains open; A full appraisal is required for securitization; valuation provided is a 2055 Exterior only.<br>Buyer Comment (2019-12-19): Please clear appraisal has been uploaded<br>Reviewer Comment (2019-11-26): Will be updated upon receipt of additional valuation products.<br>Buyer Comment (2019-11-20): [redacted]has ordered an appraisal for this loan. Please clear as an exception is open for an appraisal. | 01/07/2020 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 26 | 32960794 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2024-08-28): Waive per Client. |  |  | 08/28/2024 | 1 A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 26 | 32960795 |  | Property | Missing Document | Appraisal Documentation | Missing Document | Loan is to go into a securitization, and full appraisal was not provided. |  | Origination valuation was based upon a BPO which meets guidelines. However the loan has been identified as to be included in a securitization, making a full appraisal a requirement. |  |  |  | Reviewer Comment (2020-01-03): Waived as EV3 per client request<br>Buyer Comment (2020-01-02): [redacted] has agreed to waive this exception leaving the grade as-is<br>Reviewer Comment (2019-12-27): Not cleared - a full appraisal is required for securitization; valuation provided is a 2055 Exterior only.<br>Buyer Comment (2019-12-19): Appraisal has been uploaded<br>Reviewer Comment (2019-11-14): This is NOT a duplicate. This is for an appraisal. The other one is for a secondary valuation product.<br>Buyer Comment (2019-11-13): This is a duplicate exception |  |  | 01/03/2020 | 3 C |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 26 | 32960796 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Included in securitization population, secondary valuation is required. |  |  |  | Reviewer Comment (2020-01-03): Waived as EV3 per client request.<br>Buyer Comment (2020-01-02): [redacted] has agreed to waive this exception leaving the grade as-is<br>Reviewer Comment (2019-12-28): Exception remains open; A full appraisal is required for securitization; valuation provided is a 2055 Exterior only.<br>Buyer Comment (2019-12-19): Appraisal has been uploaded |  |  | 01/03/2020 | 3 C |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 27 | 32960798 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Child Support liens: [redacted] these were not indicated as 'to be cleared' in the Closing Instructions. |  |  |  | Reviewer Comment (2019-12-04): Waived at request of Buyer.<br>Reviewer Comment (2019-12-04): No additional documents provided; waiving at client request, without downgrade.<br>Buyer Comment (2019-11-26): Please waive<br>Reviewer Comment (2019-11-26): If documents provided are sufficient to satisfy, the exception will be cleared to EV1.<br>Buyer Comment (2019-11-21): Once we receive the trailing doc will the grade be change?<br>Reviewer Comment (2019-11-14): Loan is included in a securitization population. Is client's intent for this to remain as an EV3 for their securitization?<br>Buyer Comment (2019-11-13): XXXX will provide a final title. [redacted] has agreed to waive this exception as a trailing doc. |  |  | 12/04/2019 | 3 C |  | TX | Investment | Refinance - Cash-out - Other | C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 27 | 32960800 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2024-08-28): Waive per Client. |  |  | 08/28/2024 | 1 A |  | TX | Investment | Refinance - Cash-out - Other | C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 27 | 32960801 |  | Property | Missing Document | Appraisal Documentation | Missing Document | Loan is to go into a securitization, and full appraisal was not provided. |  | Origination valuation was based upon a BPO which meets guidelines. However the loan has been identified as to be included in a securitization, making a full appraisal a requirement. |  |  |  | Reviewer Comment (2020-01-03): Waived as EV3 per client request<br>Buyer Comment (2020-01-02): [redacted] has agreed to waive this exception leaving the grade as-is<br>Reviewer Comment (2019-12-31): For securitization, a rating agency will seek a full appraisal (interior & exterior) from origination that was used in determining the value of the property. Minus this appraisal, the loan cannot achieve a grade higher than C for securitization. In addition to the origination appraisal, the rating agency will seek a secondary valuation product such as a desk review (aka CDA) to support the origination appraisal. This is cited as a separate exception on the loan file, as it's two different products. However, when no appraisal was obtained at origination, the secondary valuation exception likely cannot be remediated either.<br>Buyer Comment (2019-12-19): uploaded<br>Reviewer Comment (2019-11-14): This is NOT a duplicate. This is for an appraisal. The other one is for a secondary valuation product.<br>Buyer Comment (2019-11-13): This is a duplicate |  |  | 01/03/2020 | 3 C |  | TX | Investment | Refinance - Cash-out - Other | C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 27 | 32960803 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when [redacted]are required. |  | Included in securitization population, secondary valuation is required. |  |  |  | Reviewer Comment (2020-01-03): Waived as EV3 per client request.<br>Buyer Comment (2020-01-02): [redacted] has agreed to waive this exception leaving the grade as-is<br>Reviewer Comment (2019-12-31): For securitization, a rating agency will seek a full appraisal (interior & exterior) from origination that was used in determining the value of the property. Minus this appraisal, the loan cannot achieve a grade higher than C for securitization. In addition to the origination appraisal, the rating agency will seek a secondary valuation product such as a desk review (aka CDA) to support the origination appraisal. This is cited as a separate exception on the loan file, as it's two different products. However, when no appraisal was obtained at origination, the secondary valuation exception likely cannot be remediated either.<br>Buyer Comment (2019-12-19): uploaded |  |  | 01/03/2020 | 3 C |  | TX | Investment | Refinance - Cash-out - Other | C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 28 | 32960805 |  | Property | Missing Document | Appraisal Documentation | Missing Document | Loan is to go into a securitization, and full appraisal was not provided. |  | Origination valuation was based upon a BPO which meets guidelines. However the loan has been identified as to be included in a securitization, making a full appraisal a requirement. |  |  |  | Reviewer Comment (2020-01-03): Waived as EV3 per client request<br>Buyer Comment (2020-01-02): [redacted] has agreed to waive this exception leaving the grade as-is<br>Reviewer Comment (2019-12-31): For securitization, a rating agency will seek a full appraisal (interior & exterior) from origination that was used in determining the value of the property. Minus this appraisal, the loan cannot achieve a grade higher than C for securitization. In addition to the origination appraisal, the rating agency will seek a secondary valuation product such as a desk review (aka CDA) to support the origination appraisal. This is cited as a separate exception on the loan file, as it's two different products. However, when no appraisal was obtained at origination, the secondary valuation exception likely cannot be remediated either.<br>Buyer Comment (2019-12-19): uploaded |  |  | 01/03/2020 | 3 C |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 28 | 32960806 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2024-08-28): Waive per Client. |  |  | 08/28/2024 | 1 A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 28 | 32960807 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when [redacted]are required. |  | Included in securitization population, secondary valuation is required. |  |  |  | Reviewer Comment (2020-01-03): Waived as EV3 per client request.<br>Buyer Comment (2020-01-02): [redacted] has agreed to waive this exception leaving the grade as-is<br>Reviewer Comment (2019-12-31): For securitization, a rating agency will seek a full appraisal (interior & exterior) from origination that was used in determining the value of the property. Minus this appraisal, the loan cannot achieve a grade higher than C for securitization. In addition to the origination appraisal, the rating agency will seek a secondary valuation product such as a desk review (aka CDA) to support the origination appraisal. This is cited as a separate exception on the loan file, as it's two different products. However, when no appraisal was obtained at origination, the secondary valuation exception likely cannot be remediated either.<br>Buyer Comment (2019-12-19): uploaded |  |  | 01/03/2020 | 3 C |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 29 | 32961068 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when [redacted]are required. |  |  |  |  |  | Reviewer Comment (2019-07-29): Received AVM | 07/29/2019 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 29 | 32961069 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to go into a securitization and secondary valuation is required. The secondary valuation in file is an invalid AVM [redacted]. Loan will require a supporting desk review or better. |  |  |  |  |  | Reviewer Comment (2019-08-20): received CDA | 08/20/2019 |  |  | 1 A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 29 | 32961070 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to go into a securitization and highest level secondary valuation does not support the appraised value within a [redacted]% tolerance. The lower value was not used to calculate LTV. |  |  |  |  |  | Reviewer Comment (2019-12-31): Client elects to waive as EV3. |  |  | 12/31/2019 | 3 C |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 30 | 32962139 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only [redacted] valuation product when [redacted] are required. |  |  |  |  |  | Reviewer Comment (2019-07-29): Received AVM | 07/29/2019 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 30 | 32962140 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Securitization Leases Review and the supporting secondary valuation was an AVM |  |  |  |  |  | Reviewer Comment (2025-06-05): Cleared with new Fitch accepting an AVM<br>Reviewer Comment (2025-06-05): reopen<br>Reviewer Comment (2020-01-03): Waiving as EV2 | 06/05/2025 |  |  | 1 A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 31 | 32962145 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | Title reflects property is a leasehold property. |  |  |  | Reviewer Comment (2019-08-08): Received Ground Redemption Deed showing the property changed from leasehold to fee simple.<br>Buyer Comment (2019-08-08): Please find closing instructions which indicate that the final policy is to be issued as fee simple prior to funding.<br>Buyer Comment (2019-07-02): Pending receipt of final title policy<br>Reviewer Comment (2019-07-01): Please provide documentation verifying property was changed from leasehold to fee simple.<br>Buyer Comment (2019-06-24): Please find attached docs showing that the conversion from leasehold to fee simple was handled at closing. | 08/08/2019 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 31 | 32962147 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-07-29): Received AVM | 07/29/2019 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 31 | 32962148 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Securitization Leases Review and the supporting secondary valuation was an AVM |  |  |  |  |  | Reviewer Comment (2025-06-05): Cleared with new Fitch accepting an AVM<br>Reviewer Comment (2025-06-05): reopen<br>Reviewer Comment (2020-01-03): Waiving as EV2 | 06/05/2025 |  |  | 1 A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 32 | 32962165 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-07-29): Received AVM | 07/29/2019 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 32 | 32962166 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | Documentation to verify ownership of Prosperity Systems, Inc not provided. Funds provided from said entity account. |  |  |  | Reviewer Comment (2019-07-16): Documentation to verify ownership provided.<br>Buyer Comment (2019-07-05): Please find the documentation showing the owners of the[redacted] account. | 07/16/2019 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 32 | 32962167 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | Background check indicates guarantor was previously convicted of identity theft/fraud. |  |  |  | Reviewer Comment (2019-07-16): Dismissals provided.<br>Buyer Comment (2019-07-05): Please find the case dismissals attached. | 07/16/2019 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 32 | 32962168 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Securitization Leases Review and the supporting secondary valuation was an AVM |  |  |  |  |  | Reviewer Comment (2025-06-05): Cleared with new Fitch accepting an AVM<br>Reviewer Comment (2025-06-05): reopen<br>Reviewer Comment (2025-06-05): Waived<br>Reviewer Comment (2025-06-05): re open<br>Reviewer Comment (2020-01-03): Waiving as EV2 | 06/05/2025 |  |  | 1 A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 33 | 33036910 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement for property "[redacted]" is missing in file, to confirm the rent amount as $[redacted]per month as per Final 1003 used for rental income calculation. |  |  |  | Reviewer Comment (2024-12-13): Received lease agreement for REO property [redacted] Exception Cleared<br>Buyer Comment (2024-12-12): lease | 12/13/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 33 | 33036911 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Correct 1003 and 1008 reflecting Child support income and recalculation of DTI ratios is missing in file. AUS reflects [redacted]% aligning wit review DTI. 1003 and 1008 using different figures. Confirm lender income stream usage. |  |  |  | Reviewer Comment (2024-12-06): updated 1003/1008 received with correction in income. Exception Cleared<br>Buyer Comment (2024-12-05): 1003 and 1008 | 12/06/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 34 | 33036929 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID [redacted] |  | CDA is required due to no LCA Score provided. |  |  |  | Reviewer Comment (2025-01-24): CDA received. Exception Cleared<br>Buyer Comment (2025-01-24): CDA | 01/24/2025 |  |  | 1 D A |  | CT | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 36 | 33201236 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [redacted]+ financed properties with subject lender which is ineligible per guidelines. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Prior homeownership experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2024-12-19): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2024-11-18): Lender exception with compensating factors. |  |  | 11/18/2024 | 2 B |  | SC | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 37 | 33201247 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted]+ financed properties with [redacted]. Compensating Factors: Substantial Cash Reserves and Prior Homeownership Experience (No FC or Short Sale). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-11-18): Lender Exception with Compensating Factors. |  |  | 11/18/2024 | 2 B |  | SC | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 38 | 33201401 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is a [redacted] Non-Permanent resident ([redacted]lassification is not allowed per guidelines). | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-09): Lender exception with compensating factors. |  |  | 01/09/2025 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 38 | 33201402 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A copy of the Borrower's passport is required for non permanent resident aliens. |  |  |  | Reviewer Comment (2025-02-21): Passport provided, exception cleared.<br>Reviewer Comment (2025-02-21): Copy of borrower's passport provided.<br>Buyer Comment (2025-02-18): Please see valid passport and employment auth showing an expiration date until [redacted] attached.<br>Reviewer Comment (2025-01-24): Based on Investor advantage Underwriting Guidelines Version [redacted] - [redacted] under Non-Permanent Resident Alien section it states copies of the borrower's passport and unexpired vise must be obtained<br>Buyer Comment (2025-01-14): Could you please review one more time this exception? per guidelines the borrower only required a work authorization with at least [redacted] years remaining. Please see attached guidelines, work auth, driver license and SS card. | 02/21/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 39 | 33201827 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The FACTA Report is missing from the loan file. |  |  |  | Buyer Comment (2024-08-14): Approve |  |  | 08/14/2024 | 2 B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 39 | 33201830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee was $[redacted]as reflected on Loan Estimate issued on [redacted]and the final signed and dated Closing Disclosure reflect the Recording Fee of $[redacted]. The loan file does not contain a changed circumstance for the increase of the recording fee or the tolerance cure for increase. |  |  |  | Reviewer Comment (2024-08-28): [redacted] Received Corrected PCCD and LOE<br>Buyer Comment (2024-08-27): PCCD and payment history reflecting PR uploaded. |  | 08/28/2024 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 39 | 33201831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The additional Credit Report Fee was added onto the Closing Disclosure issued on [redacted]. The loan file does not contain a changed circumstance for the additional credit report fee or the tolerance cure for increase. |  |  |  | Reviewer Comment (2024-08-28): [redacted] Received Corrected PCCD and LOE<br>Buyer Comment (2024-08-27): PCCD and payment history reflecting PR uploaded. |  | 08/28/2024 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 46 | 34151406 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2024-09-24): Title provided with sufficient coverage, exception cleared.<br>Buyer Comment (2024-09-16): Attached is the title report with the updated policy amount.<br>Buyer Comment (2024-09-16): See attached, page [redacted], line [redacted]. Title policy amount was updated prior to closing to match loan amount. | 09/24/2024 |  |  | 1 B A |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 46 | 34151411 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Request exception for borrower does not have [redacted] year history of being self-employed (guidelines require [redacted] years, business has been existence since [redacted]). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors. |  |  | 09/10/2024 | 2 B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 46 | 34151412 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Exception request for borrower does not meet the reserve requirements (guidelines require months, borrower has verified [redacted] months)). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors. |  |  | 09/10/2024 | 2 B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 46 | 34151413 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Less than [redacted] years self-employed |  |  |  | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors, system cleared. | 09/10/2024 |  |  | 1 B A C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 46 | 34151414 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Less than [redacted] years self-employed |  |  |  | Reviewer Comment (2024-09-10): Lender Exception with Compensating Factors, system cleared. | 09/10/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151565 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] months account statement is required. |  |  |  | Reviewer Comment (2025-04-11): Bank Statement is received in file and associated. Exception Cleared.<br>Buyer Comment (2025-04-10): Please see bank statements attached from [redacted] acct # [redacted] | 04/11/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151566 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-05-20): Exception cleared - Secondary valuation received and updated in clarity.<br>Buyer Comment (2025-05-19): Please see CDA report attached.<br>Reviewer Comment (2025-04-18): The report provided reviews the accuracy, completeness, and compliance of an appraisal report generated by a [redacted] appraiser and it's not an independent desk review. Exception remains.<br>Buyer Comment (2025-04-17): Could you please kindly review the last document uploaded? the last[redacted] pages of the document contains the [redacted] valuation. I attached [redacted]more time for your convenience.<br>Reviewer Comment (2025-04-14): Report provided is from same appraisal company not a third party and appears to be a quality report for property for current appraiser.<br>Buyer Comment (2025-04-10): Please see attached [redacted] valuation appraisal report | 05/20/2025 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151568 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive copy of appraisal disclosure is missing in file. |  |  |  | Reviewer Comment (2025-04-13): Right to receive appraisal disclosure provided, system cleared.<br>Buyer Comment (2025-04-10): Please see right to received appraisal disclosure attached. | 04/13/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Good faith redisclosure D B C A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 48 | 34151569 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  | Reviewer Comment (2025-04-13): Right to receive appraisal disclosure provided, system cleared.<br>Buyer Comment (2025-04-10): Please see right to received appraisal disclosure attached. | 04/13/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151570 |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to receive copy of appraisal disclosure is missing in file. |  |  |  | Reviewer Comment (2025-04-13): Right to receive appraisal disclosure provided, system cleared.<br>Buyer Comment (2025-04-10): Please see right to received appraisal disclosure attached. | 04/13/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Good faith redisclosure D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151572 |  | 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 [redacted] ([redacted]) business days prior to closing. | Last transaction date is missing in file. |  |  |  | Reviewer Comment (2025-04-14): [redacted] received [redacted] CD [redacted]business days prior to consummation.<br>Buyer Comment (2025-04-10): Please see initial CD signed and dated [redacted] and Consummation CD dated [redacted] attached. | 04/14/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151573 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted]may be required. | Missing Loan Estimate from file. |  |  |  | Reviewer Comment (2025-04-14): [redacted] received [redacted]LE's<br>Buyer Comment (2025-04-10): Please see Initials Loan Estimate attached dated [redacted] | 04/14/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151574 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [redacted] Constitution Section [redacted](a)([redacted]): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least [redacted] days prior to closing. | Revised Notice Concerning Extensions of Credit Disclosure dated less than [redacted] days prior to closing, |  |  |  | Reviewer Comment (2025-04-14): Disclosure provided, system cleared.<br>Buyer Comment (2025-04-10): Please see Notice Concerning Extension of Credit Section[redacted] attached. | 04/14/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D B C A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 48 | 34151575 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [redacted] Constitution Section [redcated](a)([redcated]): Unable to test refinance within twelve ([redacted]) month period due to missing documentation. | Unable to test refinance within [redacted]month period due to missing documentation. |  |  |  | Buyer Comment (2025-05-06): Accepted<br>Reviewer Comment (2025-04-21): Please provide a property history report as fraud report does not reflect any information regarding the subject property. Exception is an EV2 and can be elected to waive.<br>Buyer Comment (2025-04-17): Could you please review one more time this exception? Per credit report shows that bwr did not have a previous mortgage pymt also the Consummation CD shows that there is only one acct was payoff at closing which is [redacted]but was an individual account and final 1003 indicate that bwr has been living there for [redacted]yrs. Looks like the property was free and clear.<br>Reviewer Comment (2025-04-14): The loan file does not contain documentation reflecting the last property transfer for the subject property.<br>Buyer Comment (2025-04-10): Please see Notice Concerning Extension of Credit Section [redacted] attached. |  |  | 05/06/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 48 | 34151577 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/14/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 48 | 34151578 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/14/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 49 | 34151588 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-04-28): Cleared.<br>Buyer Comment (2025-04-22): Emily VVOE | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151590 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower 2's business has not been in existence for [redacted] years as required by guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income > $[redacted].<br>Borrower's own funds used for down payment & closing (No Gifts or DPA).<br>Qualifying ratios [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-18): Lender exception with compensating factors. |  |  | 04/18/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151591 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower's housing history was not verified in the loan file. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income > $[redacted].<br>Borrower's own funds used for down payment & closing (No Gifts or DPA).<br>Qualifying ratios [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-18): Lender exception with compensating factors. |  |  | 04/18/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151592 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted]<br>Reviewer Comment (2025-05-01): Loan file does not document borrower received[redacted] report [redacted] days prior to closing. Exception is an EV2 and can be elected to waive.<br>Buyer Comment (2025-04-29): original appraisal report and delivery of original report. Prior upload supported updated report delivered to borrower with no change in value reported.<br>Reviewer Comment (2025-04-28): Appraisal notice provided to borrower is dated post close. No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-04-25): revised appraisal emailed to borrower, no value change between reports |  |  | 05/02/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151593 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-05-06): Initial appraisal provided to borrower with no change in value and final appraisal provided to borrower post closing.<br>Buyer Comment (2025-05-02): Please update exception grade to [redacted]and clear. Waived ECOA condition accepting grade[redacted] above<br>Reviewer Comment (2025-05-01): Copy of appraisal dated [redacted] provided and delivery of [redacted] report was provided but not [redacted] business days prior to closing and loan is HPML. Please provide copy of report that was delivered to borrower on [redacted] for testing.<br>Buyer Comment (2025-04-29): original appraisal report and delivery of original report. Prior upload supported updated report delivered to borrower with no change in value reported. Please update exception grade to level [redacted]<br>Reviewer Comment (2025-04-28): Appraisal notice provided to borrower is dated post close. No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-04-25): revised appraisal emailed to borrower, no value change between reports | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151594 |  | 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 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-06): Initial appraisal provided to borrower with no change in value and final appraisal provided to borrower post closing.<br>Buyer Comment (2025-05-02): Please update exception grade to [redacted] and clear. Waived ECOA condition accepting grade [redacted] above<br>Reviewer Comment (2025-05-01): Copy of appraisal dated [redacted] provided and delivery of [redacted] report was provided but not [redacted] business days prior to closing and loan is HPML. Please provide copy of report that was delivered to borrower on [redacted]for testing.<br>Buyer Comment (2025-04-29): original appraisal report and delivery of original report. Prior upload supported updated report delivered to borrower with no change in value reported. Please update exception grade to level [redacted]<br>Reviewer Comment (2025-04-28): Appraisal notice provided to borrower is dated post close. No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-04-25): revised appraisal emailed to borrower, no value change between reports | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151595 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan file is missing a VVOE for Borrower [redacted] and the loan is short the required [redacted] months reserves as only [redacted]are verified. |  |  |  | Reviewer Comment (2025-05-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-20): PC exception for reserves uploaded<br>Reviewer Comment (2025-05-01): Total verified assets $[redacted](account [redacted] $[redacted], account [redacted] $[redacted], EMD $[redacted]). CTC + POC + EMD = $[redacted]/ Reserves $[redacted]= [redacted]mnths reserves. We align with PITIA for property.<br>Buyer Comment (2025-04-29): cash to close $[redacted]. Verified assets $[redacted]. pitia $[redacted]@ [redacted] months $[redacted]reserves. $[redacted]-$[redacted]=$[redacted] reserves after closing<br>Reviewer Comment (2025-04-28): Per guides [redacted] months reserves required , calculated PITIA moths of reserves is [redacted].<br>Buyer Comment (2025-04-22): borrower [redacted] vvoe | 05/22/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 49 | 34151596 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | The loan file is missing a VVOE for Borrower [redacted] and the loan is short the required [redacted] months reserves as only [redacted]are verified. |  |  |  | Reviewer Comment (2025-05-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-20): PC exception for reserves uploaded<br>Reviewer Comment (2025-05-01): Total verified assets $[redacted] (account [redacted] $[redacted], account [redacted] $[redacted], EMD $[redacted]). CTC + POC + EMD = $[redacted]/ Reserves $[redacted]= [redacted]mnths reserves. We align with PITIA for property.<br>Buyer Comment (2025-04-29): cash to close $[redacted]. Verified assets $[redacted]. pitia $[redacted]@ [redacted] months $[redacted]reserves. $[redacted]-$[redacted]=$[redacted]reserves after closing<br>Reviewer Comment (2025-04-28): Per guides [redacted] months reserves required , calculated PITIA moths of reserves is [redacted].<br>Buyer Comment (2025-04-22): borrower [redacted] vvoe | 05/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151597 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan file is missing a VVOE for Borrower [redacted] and the loan is short the required [redacted] months reserves as only [redacted]are verified. |  |  |  | Reviewer Comment (2025-05-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-20): PC exception for reserves uploaded<br>Reviewer Comment (2025-05-01): Total verified assets $[redacted] (account [redacted] $[redacted], account [redacted] $[redacted], EMD $[redacted]). CTC + POC + EMD = $[redacted]/ Reserves $[redacted]= [redacted]mnths reserves. We align with PITIA for property.<br>Buyer Comment (2025-04-29): cash to close $[redacted]. Verified assets $[redacted]. pitia $[redacted]@ [redacted] months $[redacted]reserves. $[redacted]-$[redacted]=$[redacted]reserves after closing<br>Reviewer Comment (2025-04-28): Per guides [redacted] months reserves required , calculated PITIA moths of reserves is [redacted].<br>Buyer Comment (2025-04-22): borrower [redacted] vvoe | 05/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151598 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan is short the required [redacted] months reserves as only [redacted] are verified. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income > $[redacted].<br>Borrower's own funds used for down payment & closing (No Gifts or DPA).<br>Qualifying ratios [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-20): PC exception for reserves uploaded<br>Reviewer Comment (2025-05-01): Total verified assets $[redacted] (account [redacted] $[redacted], account [redacted] $[redacted], EMD $[redacted]). CTC + POC + EMD = $[redacted]/ Reserves $[redacted]= [redacted]mnths reserves. We align with PITIA for property.<br>Buyer Comment (2025-04-29): cash to close $[redacted]. Verified assets $[redacted]. pitia $[redacted]@ [redacted] months $[redacted] reserves. $[redacted]-$[redacted]=$[redacted] reserves after closing<br>Reviewer Comment (2025-04-28): Per guides [redacted] months reserves required , calculated PITIA moths of reserves is [redacted].<br>Buyer Comment (2025-04-25): bk stmt, 1003 and 1008 with correct verified assets uploaded supporting reserve requirement met |  |  | 05/22/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151599 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | The loan is short the required[redacted] months reserves as only [redacted] are verified. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income > $[redacted].<br>Borrower's own funds used for down payment & closing (No Gifts or DPA).<br>Qualifying ratios [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-20): PC exception for reserves uploaded<br>Reviewer Comment (2025-05-01): Total verified assets $[redacted] (account [redacted] $[redacted], account [redacted] $[redacted], EMD $[redacted]). CTC + POC + EMD = $[redacted]/ Reserves $[redacted]= [redacted]mnths reserves. We align with PITIA for property.<br>Buyer Comment (2025-04-29): cash to close $[redacted] . Verified assets $[redacted]. pitia $[redacted]@[redacted] months $[redacted]reserves. $[redacted]-$[redacted]=$[redacted]reserves after closing<br>Reviewer Comment (2025-04-28): Per guides [redacted] months reserves required , calculated PITIA moths of reserves is [redacted].<br>Reviewer Comment (2025-04-28): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2025-04-25): bk stmt, 1003 and 1008 with correct verified assets uploaded supporting reserve requirement met |  |  | 05/22/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151600 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a VVOE within [redacted] business days of the Note for Borrower[redacted]. |  |  |  | Reviewer Comment (2025-04-28): Provided.<br>Buyer Comment (2025-04-22): vvoe within [redacted] days of Note | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 49 | 34151602 |  | 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 2014): Creditor did not provide a copy of revised valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-06): Waived per client request. |  |  | 05/06/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 50 | 34151664 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted] |  |  | 05/02/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 50 | 34151668 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-06-03): Exception Remains - The received lender exception Doc ID [redacted], [redacted], [redacted], [redacted]& [redacted], however we do not received lender exception approval for the reserve required on document. Provide the lender exception and updated decision type & decision date on lender exception document for reserve requirement.<br>Buyer Comment (2025-06-02): please clarify why updated exception uploaded was not accepted. Exception states [redacted] months reserves documented/[redacted] months reserves short. Prior notes included gift funds which were refunded to borrower as documented, gift funds are considered a mitigating factor but not included in reserve calculation.<br>Reviewer Comment (2025-06-02): Lender exception provided is not approved exception remains.<br>Reviewer Comment (2025-05-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2025-05-27): PC exception approval for reserves and updated CD with gift funds returned at closing (cancelled check previously uploaded)<br>Reviewer Comment (2025-05-22): Post close CD does not clearly reflect that funds were refunded to borrower as both donor and borrower are listed with funds of [redacted]. In addition, gift funds received at closing cannot be used as reserves. Exception remains.<br>Buyer Comment (2025-05-21): see gift funds received in by attorney's office and refunded to borrower to support remaining reserves required<br>Reviewer Comment (2025-05-09): Appraisal fee already paid before closing, still required additional funds to met the asset requirement. Exception remains.<br>Buyer Comment (2025-05-08): insurance premium, once poc's are added to funds to close reserves of [redacted] months are met<br>Buyer Comment (2025-05-08): appraisal invoice<br>Buyer Comment (2025-05-08): insurance invoice |  |  | 06/03/2025 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 50 | 34151669 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to shortage of reserve requirement |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-06-03): Exception Remains - The received lender exception Doc ID [redacted], [redacted], [redacted], [redacted]& [redacted], however we do not received lender exception approval for the reserve required on document. Provide the lender exception and updated decision type & decision date on lender exception document for reserve requirement.<br>Buyer Comment (2025-05-27): PC exception approval for reserves and updated CD with gift funds returned at closing (cancelled check previously uploaded)<br>Reviewer Comment (2025-05-22): Post close CD does not clearly reflect that funds were refunded to borrower as both donor and borrower are listed with funds of [redacted]. In addition, gift funds received at closing cannot be used as reserves. Exception remains.<br>Buyer Comment (2025-05-21): see gift funds received in by attorney's office and refunded to borrower to support remaining reserves required<br>Reviewer Comment (2025-05-12): Insurance invoice reflecting that the borrower paid prior to closing is missing.<br>Buyer Comment (2025-05-08): insurance premium, once poc's are added to funds to close reserves of [redacted]months are met<br>Buyer Comment (2025-05-08): insurance and appraisal invoices | 06/03/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 50 | 34151670 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to shortage of reserve requirement |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-06-03): Exception Remains - The received lender exception Doc ID [redacted], [redacted], [redacted], [redacted]& [redacted], however we do not received lender exception approval for the reserve required on document. Provide the lender exception and updated decision type & decision date on lender exception document for reserve requirement.<br>Buyer Comment (2025-05-27): PC exception approval for reserves and updated CD with gift funds returned at closing (cancelled check previously uploaded)<br>Reviewer Comment (2025-05-22): Post close CD does not clearly reflect that funds were refunded to borrower as both donor and borrower are listed with funds of [redacted]. In addition, gift funds received at closing cannot be used as reserves. Exception remains.<br>Buyer Comment (2025-05-21): see gift funds received in by attorney's office and refunded to borrower to support remaining reserves required<br>Reviewer Comment (2025-05-12): Insurance invoice reflecting that the borrower paid prior to closing is missing.<br>Buyer Comment (2025-05-08): insurance premium, once poc's are added to funds to close reserves of [redacted] months are met<br>Buyer Comment (2025-05-08): insurance and appraisal invoices | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 50 | 34151671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-06-03): Exception Remains - The received lender exception Doc ID [redacted], [redacted], [redacted], [redacted]& [redacted], however we do not received lender exception approval for the reserve required on document. Provide the lender exception and updated decision type & decision date on lender exception document for reserve requirement.<br>Buyer Comment (2025-05-27): PC exception approval for reserves and updated CD with gift funds returned at closing (cancelled check previously uploaded)<br>Reviewer Comment (2025-05-22): Post close CD does not clearly reflect that funds were refunded to borrower as both donor and borrower are listed with funds of [redacted]. In addition, gift funds received at closing cannot be used as reserves. Exception remains.<br>Buyer Comment (2025-05-21): see gift funds received in by attorney's office and refunded to borrower to support remaining reserves required<br>Reviewer Comment (2025-05-12): Insurance invoice reflecting that the borrower paid prior to closing is missing.<br>Buyer Comment (2025-05-08): insurance premium, once poc's are added to funds to close reserves of [redacted] months are met<br>Buyer Comment (2025-05-08): insurance and appraisal invoices | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 50 | 34151672 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. \*\*\* revised exception verbiage, gift funds were returned to borrower at lowering reserves to [redacted] months. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-06-03): Exception Remains - The received lender exception Doc ID [redacted], [redacted], [redacted], [redacted]& [redacted], however we do not received lender exception approval for the reserve required on document. Provide the lender exception and updated decision type & decision date on lender exception document for reserve requirement.<br>Buyer Comment (2025-06-02): please clarify why updated exception uploaded was not accepted. Exception states [redacted] months reserves documented/[redacted] months reserves short. Prior notes included gift funds which were refunded to borrower as documented, gift funds are considered a mitigating factor but not included in reserve calculation.<br>Reviewer Comment (2025-06-02): Lender exception provided is not approved exception remains.<br>Buyer Comment (2025-05-27): PC exception approval for reserves and updated CD with gift funds returned at closing (cancelled check previously uploaded)<br>Reviewer Comment (2025-05-22): Post close CD does not clearly reflect that funds were refunded to borrower as both donor and borrower are listed with funds of [redacted]. In addition, gift funds received at closing cannot be used as reserves. Exception remains.<br>Buyer Comment (2025-05-21): see gift funds received in by attorney's office and refunded to borrower to support remaining reserves required<br>Reviewer Comment (2025-05-09): Appraisal fee already paid before closing, still required additional funds to met the asset requirement. Exception remains.<br>Buyer Comment (2025-05-08): insurance premium, once poc's are added to funds to close reserves of [redacted] months are met<br>Buyer Comment (2025-05-08): insurance and appraisal invoices |  |  | 06/03/2025 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 50 | 34151673 |  | Credit | TRID | Document Error | TRID | The gift funds used for closing were not properly documented. |  | The final Closing Disclosure in file does not reflect the gift funds of $[redacted]. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-27): PC exception approval for reserves and updated CD with gift funds returned at closing (cancelled check previously uploaded)<br>Reviewer Comment (2025-05-22): Post close CD does not clearly reflect that funds were refunded to borrower as both donor and borrower are listed with funds of [redacted]. In addition, gift funds received at closing cannot be used as reserves. Exception remains.<br>Buyer Comment (2025-05-21): attorney receipt of gift funds<br>Buyer Comment (2025-05-21): attorney receipt of final wire and gift funds<br>Reviewer Comment (2025-05-12): Received check to Borrower from title company however, there is no documentation that the closing company received the gift funds in order to refund the monies to the Borrower. Exception remains.<br>Buyer Comment (2025-05-08): title refund of gift funds to borrower |  |  | 06/03/2025 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 51 | 34548927 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | The borrower does not have sufficient assets to satisfy [redacted]months PITI reserves per guideline requirements. | Borrower has verified disposable income of at least [redacted] .<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and [redacted] .<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Excellent credit management with FICO [redacted]+ | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-07-19): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-07-18): Guideline Requirement is for [redacted] month Reserves Hence Exception Remains.<br>Buyer Comment (2024-07-16): [redacted] approval is not required as file has sufficient compensating factors. Corrected approval attached showing decision type/date info.<br>Reviewer Comment (2024-07-15): Revised approval and lender exception is missing the [redacted] Approval Summary section. The Decision type, date and made by tabs are blank.<br>Buyer Comment (2024-07-11): Attached is a post-closing exception approving the reserves. |  |  | 07/19/2024 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 51 | 34548929 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-06-20): Sufficient Cure Provided At Closing |  | 06/20/2024 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 51 | 34548930 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-06-20): Sufficient Cure Provided At Closing |  | 06/20/2024 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 51 | 34548931 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | The borrower does not have sufficient assets to satisfy [redacted] months PITI reserves per guideline requirements and the loan file is missing a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-19): Documents received, system cleared.<br>Buyer Comment (2024-07-16): Attached to exception ID [redacted].<br>Reviewer Comment (2024-07-15): Revised approval and lender exception is missing the [redacted] Approval Summary section. The Decision type, date and made by tabs are blank.<br>Buyer Comment (2024-07-11): Attached to exception ID [redacted]. | 07/19/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 51 | 34548933 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-01): Letter of Explanation provided and associated exception cleared<br>Buyer Comment (2024-06-27): The required information is addressed on the attached letters. | 07/01/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 51 | 34548934 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | The loan file is missing a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-05): Documents received, system cleared.<br>Buyer Comment (2024-06-27): Response attached to exception ID [redacted]. | 07/05/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 51 | 34548935 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file is missing a signed letter of explanation describing the nature of the business, how income is generated, and how long the business has been in existence. |  |  |  | Reviewer Comment (2024-07-01): Letter of Explanation provided and associated exception cleared<br>Buyer Comment (2024-06-27): Response attached to exception ID [redacted]. | 07/01/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 51 | 34548936 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan discrepancy due to insufficient assets to satisfy [redacted] months PITI reserves per guideline requirements |  |  |  | Reviewer Comment (2024-07-19): Documents received, system cleared.<br>Buyer Comment (2024-07-16): Attached to exception ID [redacted].<br>Reviewer Comment (2024-07-15): Revised approval and lender exception is missing the [redacted] Approval Summary section. The Decision type, date and made by tabs are blank.<br>Buyer Comment (2024-07-11): Attached to exception ID [redacted].<br>Reviewer Comment (2024-07-05): Still short reserves. [redacted] moonths required and only [redacted] verified.<br>Buyer Comment (2024-06-27): Response attached to exception ID [redacted]. | 07/19/2024 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 52 | 34607455 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more. | Comp factors provided by lender<br>Lender provided exception.<br>Low housing ratio [redacted] or less. | SitusAMC,Originator<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-30): Lender exception with compensating factors.<br>Reviewer Comment (2022-09-16): Provided and cleared<br>Buyer Comment (2022-09-14): Bankruptcy Docs | 09/16/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 52 | 34607459 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [redacted] Constitution Section [redacted](a)([redacted]): Previous loan refinanced within[redacted] month period of consummation | Per title commitment previous lien against home was dated [redacted] |  |  |  | Reviewer Comment (2022-09-16): Provided and cleared<br>Buyer Comment (2022-09-14): [redacted]Docs | 09/16/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 52 | 34607460 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender granted exception for[redacted] LTV variance. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more. | Comp factors provided by lender<br>Lender provided exception.<br>Low housing ratio [redacted] or less. | SitusAMC,Originator<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-28): Lender exception with compensating factors.<br>Reviewer Comment (2023-04-26): Client elects to waive with compensating factors.<br>Reviewer Comment (2023-04-26): Adjusting compensating factors.<br>Reviewer Comment (2022-09-06): Waive per clients guidance.<br>Reviewer Comment (2022-09-06): Lender granted exception in file for this exception. |  |  | 04/26/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 53 | 34607461 |  | Credit | Note | General | Note | Loans with an application date after [redacted] using a LIBOR Index are not Agency Salable. | Index: ___; Note Date: ___ | Exception is informational only. Loan is not agency salable. |  |  |  | Reviewer Comment (2022-07-26): Non QM loan, not required to be Agency Salable, client elects to waive. |  |  | 07/26/2022 | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 54 | 34607483 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | No evidence Appraisal was transferred into Originators name. |  |  |  | Reviewer Comment (2024-02-07): Letter provided.<br>Reviewer Comment (2024-02-07): Transfer provided.<br>Buyer Comment (2022-11-04): NA | 02/07/2024 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 54 | 34607485 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to the appraisal not listed in the lender name on the Note, |  |  |  | Buyer Comment (2022-11-07): na |  |  | 11/07/2022 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 54 | 34607486 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement reflects initial deposit $[redacted] and Final CD section [redacted] reads $[redacted]. |  |  |  | Buyer Comment (2022-11-07): Non Material |  |  | 11/07/2022 | 2 B |  | TX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 54 | 34607487 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year[redacted] Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Final CD reads on page [redacted] (including Taxes and HOA). and Final 1008 reflects $[redacted] for Non escrowed property cost. |  |  |  | Buyer Comment (2022-11-07): Non Material |  |  | 11/07/2022 | 2 B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 54 | 34607489 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Missing Valid Change of Circumstance to justify fee. However, Lender Credit in the amount of $[redacted] disclosed on final Closing Disclosure. |  |  |  | Reviewer Comment (2022-10-25): Sufficient Cure Provided At Closing |  | 10/25/2022 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 54 | 34607490 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All parties listed on the bank account are not included as borrowers on the loan. | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Guidelines allow no more than [redacted] NSF's within a [redacted] month period. Borrower has more than [redacted] in the last [redacted] months. However, the Underwriter made an exception due to compensating factors. <br>Compensating Factors: <br> Residual income greater than $[redacted].<br> Borrower's own funds used for Down Payment & closing (No Gifts or DPA).<br> Prior Homeownership Experience (No FC or Short Sale).<br>[redacted] Update <br> Borrower's own funds used for Down Payment & closing (No Gifts or DPA) | SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2024-01-31): Lender CF update - Prior Homeownership Experience (No FC or Short Sale) not an applicable Compensating Factor.<br>Reviewer Comment (2023-04-27): Lender CF update - Prior Homeownership Experience (No FC or Short Sale). |  |  | 04/27/2023 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 54 | 34607491 |  | Credit | Guideline | Guideline Issue | Guideline | More than [redacted] NSFs/Overdraft Transfers occurred in the most recent [redacted]-month period. |  |  | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Guidelines allow no more than [redacted] NSF's within a [redacted] month period. Borrower has more than [redacted] in the last [redacted] months. However, the Underwriter made an exception due to compensating factors. <br>Compensating Factors: <br> Residual income greater than $[redacted].<br> Borrower's own funds used for Down Payment & closing (No Gifts or DPA).<br> Prior Homeownership Experience (No FC or Short Sale).<br>[redacted] Update <br> Borrower's own funds used for Down Payment & closing (No Gifts or DPA) | SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2024-01-31): Lender CF update - Prior Homeownership Experience (No FC or Short Sale) not an applicable Compensating Factor.<br>Reviewer Comment (2023-04-27): Lender CF update - Prior Homeownership Experience (No FC or Short Sale). |  |  | 04/27/2023 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 55 | 34607670 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted] Non-Compliant Higher Price Mortgage Loan due to lack of evidence of receipt of the final appraisal and lack of property tax escrow. |  |  |  | Reviewer Comment (2023-12-21): Appraisal receipt delivery report received and verified. Exception Cleared<br>Buyer Comment (2023-12-14): [redacted] appraisal delivery uploaded<br>Reviewer Comment (2023-11-09): Waived in error<br>Buyer Comment (2023-10-27): \* | 12/21/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 55 | 34607671 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted]. Insufficient or no cure was provided to the borrower. | The Change of Circumstance for the increase in the discount points on the Closing Disclosure dated[redacted] did not indicate the increase was due to the increase in mortgage amount. The Change of Circumstance due to rate lock on the Loan Estimate dated [redacted] did not contain the actual date of the change. A tolerance cure is required in the amount of [redacted] for this [redacted] percent tolerance fee. |  |  |  | Reviewer Comment (2023-10-30): [redacted] received valid rate lock document.<br>Buyer Comment (2023-10-27): Initial lock with bona fide disc pt and updated lock and COC due to loan amount change uploaded | 10/30/2023 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 55 | 34607672 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [redacted]onstitution Section [redacted](a)([redacted]): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least [redacted] days prior to closing. | Notice of Extensions of Credit was not found in the file. |  |  |  | Reviewer Comment (2023-12-07): Signed document provided.<br>Buyer Comment (2023-12-01): Notice concerning ext of credit defined by sec [redacted] uploaded<br>Reviewer Comment (2023-11-13): Affidavit that the borrower received the Notice of Extension of Credit had been provided is in file, yet the actual form remains missing.<br>Buyer Comment (2023-11-06): [redacted]<br>Reviewer Comment (2023-11-02): Document provided was not Notice of Extensions of Credit.<br>Buyer Comment (2023-10-27): [redacted] Notice of Ext | 12/07/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 55 | 34607673 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | There was evidence the preliminary appraisal dated[redacted] was received. There was no evidence the revised appraisal dated [redacted] was in fact received at least[redacted] business days prior to closing. |  |  |  | Buyer Comment (2023-10-27): \* |  |  | 10/27/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 55 | 34607674 |  | 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 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | There was evidence the preliminary appraisal dated[redacted] was received. There was no evidence the revised appraisal dated [redacted] was in fact received at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-21): Appraisal receipt received and verified. Exception Cleared<br>Buyer Comment (2023-12-14): Evidence of[redacted] appraisal delivered uploaded<br>Reviewer Comment (2023-11-09): Waived in error<br>Buyer Comment (2023-10-27): \* | 12/21/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 56 | 34607678 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation | Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  | Buyer Comment (2023-12-22): CI<br>Reviewer Comment (2023-11-27): The increase of the APR at closing to [redacted]% did not allow a [redacted] day waiting period for the APR increase. No visible cure available.<br>Buyer Comment (2023-11-22): Please note, Initial CD dated [redacted] correctly discloses [redacted]% and moving optional appraisal correctly to Section H discloses APR correctly as [redacted]% on [redacted].<br>Reviewer Comment (2023-11-15): [redacted] Received rebuttal that closing agent fee of $[redacted]was optional fee and should have been in section H. However, the APR on the version 1 of the [redacted] CD, Doc ID [redacted], reflects APR of [redacted]% and version [redacted] of the[redacted]CD, Doc ID [redacted], reflects APR of [redacted]%. Corrected CD issued [redacted] also reflects the [redacted]% APR and matching to final CD and reflects the Title-Attorney fee of $[redacted]in section C. APR changed over .[redacted]% which required a [redacted] business day waiting period which was not met.<br>Buyer Comment (2023-11-13): [redacted] and Final Settlement Statement from closing agent reflecting $[redacted]attorney fee is an optional fee that should have been placed in Section H and not an APR fee. APR disclosed on Initial CD matches [redacted] and does not fail timing regulation. |  |  | 09/11/2024 | 2 C B |  | CT | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 56 | 34607679 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points of $[redacted]exceeds tolerance of $[redacted]. No Valid changed circumstances was provided. Insufficient cure was provided to the borrower for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2023-11-21): [redacted]received Post [redacted],[redacted]and payment history.<br>Buyer Comment (2023-11-20): [redacted]and payment history reflecting [redacted]uploaded. |  | 11/21/2023 |  | 2 C B |  | CT | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 56 | 34607680 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee increased from $[redacted]to $[redacted]. No Valid changed circumstances was provided. Insufficient cure was provided to the borrower for all closing costs above the limit. |  |  |  | Reviewer Comment (2023-11-21): [redacted]received Post [redacted],[redacted][redacted]and payment history.<br>Buyer Comment (2023-11-20): [redacted]and payment history reflecting [redacted]uploaded. |  | 11/21/2023 |  | 2 C B |  | CT | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 56 | 34607681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax of $[redacted]exceeds tolerance of $[redacted]No Valid changed circumstances was provided. Insufficient cure was provided to the borrower for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2023-11-21): [redacted] received Post [redacted],[redacted]and payment history.<br>Buyer Comment (2023-11-20): [redacted]and payment history reflecting [redacted]uploaded. |  | 11/21/2023 |  | 2 C B |  | CT | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 56 | 34607682 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage pay history was provided by a private individual. Guidelines require canceled checks, which were not provided. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Residual income [redacted] greater than guidelines [redacted].<br>LTV below guidelines LTV [redacted]<br>Reserves [redacted] months (guidelines months) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-02-21): Lender approved exception with compensating factors.<br>Buyer Comment (2024-02-15): [redacted] approved exception for missing private party checks for housing payment |  |  | 02/21/2024 | 2 C B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 56 | 34607683 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. (Type:Primary/[redacted] |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared. <br> Documents received, system cleared.<br>Reviewer Comment (2023-11-15): Evidence of [redacted]being sent, with mail rule, documents not received by borrower[redacted] days prior to closing. Provide [redacted]hour waiver or evidence of borrower's receipt at least [redacted] days prior to closing.<br>Buyer Comment (2023-11-09): Appraisal proof of delivery uploaded. | 11/15/2023 |  |  | 1 B A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 56 | 34607684 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared.<br>Reviewer Comment (2023-11-15): Evidence of [redacted]being sent, with mail rule, documents not received by borrower [redacted] days prior to closing. Provide [redacted]hour waiver or evidence of borrower's receipt at least [redacted] days prior to closing.<br>Buyer Comment (2023-11-09): Appraisal proof of delivery uploaded. | 11/15/2023 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 56 | 34607685 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. (Type:Primary/[redacted]) |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared.<br>Reviewer Comment (2023-11-15): Evidence of [redacted]being sent, with mail rule, documents not received by borrower [redacted] days prior to closing. Provide [redacted]hour waiver or evidence of borrower's receipt at least [redacted] days prior to closing.<br>Buyer Comment (2023-11-09): Appraisal proof of delivery uploaded. | 11/15/2023 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 58 | 34607798 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as [redacted] on Le dated [redacted] on LE dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-09): [redacted] received rebuttal and COC dated [redacted]<br>Buyer Comment (2024-09-06): Please note, loan amount increasing, increased LTV from [redacted] causing the lender credit to be removed.<br>Reviewer Comment (2024-09-05): [redacted] received Changed Circumstance dated [redacted] 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. Please provide additional information to support a valid changed circumstance reason for the pricing decrease or Cure is required to borrower.<br>Buyer Comment (2024-09-04): Disclosure tracking reasons reflecting VCOC uploaded. | 09/09/2024 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 59 | 34607872 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Homeowners insurance policy has an effective date of[redacted] and started after the loan funded on [redacted] | Borrower has verified disposable income of at least[redacted]<br>Miscellaneous<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] | Prior Homeownership Experience (No FC or Short Sale)<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-01-30): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (2025-01-30): CF Update.<br>Reviewer Comment (2024-09-24): Hazard insurance is Approval summary document stating that Effective date [redacted] has passed and has No financial impact or risk. - Exception Cleared<br>Buyer Comment (2024-09-18): Post Consummation Exception approval uploaded. |  |  | 01/30/2025 | 2 C B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 59 | 34607873 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] [redacted] is over disclosed by [redacted] [redacted] compared to the calculated Amount Financed o[redacted] 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 [redacted] | Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of [redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2024-10-04): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD.<br>Buyer Comment (2024-10-04): Proof cure check cashed uploaded.<br>Reviewer Comment (2024-09-30): [redacted] received copy of [redacted] tracking and copy of check request. previously received Corrected CD and LOE to borrower. A copy of the actual cure refund check is required to meet the Material Disclosure violation remediation requirements. Provide copy of actual cure refund check to borrower for $[redacted]. Cancelled check could be supplied if no prior copy of check was obtained.<br>Buyer Comment (2024-09-27): Proof cure check issued and delivered uploaded. |  | 10/04/2024 |  | 2 C B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 59 | 34607874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold. |  |  |  | Reviewer Comment (2024-10-04): [redacted] received Letter of Explanation, Proof of Delivery, Corrected CD.<br>Buyer Comment (2024-10-04): Proof cure check cashed uploaded.<br>Reviewer Comment (2024-09-30): [redacted] received copy of [redacted] tracking and copy of check request. previously received Corrected CD and LOE to borrower. A copy of the actual cure refund check is required to meet the Material Disclosure violation remediation requirements. Provide copy of actual cure refund check to borrower for $[redacted]. Cancelled check could be supplied if no prior copy of check was obtained.<br>Buyer Comment (2024-09-27): Proof cure check issued and delivered uploaded. |  | 10/04/2024 |  | 2 C B |  | VA | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 59 | 34607876 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as[redacted] on LE dated[redacted] , but disclosed as [redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-26): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-25): PCCD and payment history reflecting [redacted] uploaded. |  | 09/26/2024 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 59 | 34607877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee of [redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-26): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-25): PCCD and payment history reflecting [redacted] uploaded. |  | 09/26/2024 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 59 | 34607878 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] Insufficient or no cure was provided to the borrower. | [redacted] violation due to increase in Title - Exam Fees, Title - Lender's Title Insurance, Title - Abstract Fees, and Title - Processing Fee. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-26): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-25): PCCD and payment history reflecting [redacted] uploaded.<br>Reviewer Comment (2024-09-17): [redacted] received rebuttal comment with [redacted]% tolerance calculation. The seller calculated cure of $[redacted]is correct. Please provide cure docs for the same. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-09-13): Please note, per LE dated [redacted], baseline for escrow/title fees $[redacted]plus recording fee baseline of $[redacted]. Baseline is $[redacted]($[redacted]x [redacted]%). $[redacted]- $[redacted]= cure of $[redacted]required for [redacted]% fees. Please review and confirm you agree. |  | 09/26/2024 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 60 | 34608042 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted] : Creditor did not provide a copy of each valuation to applican[redacted] business days prior to consummation. | The loan file does not contain evidence the Borrower received the appraisal at least[redacted] business days prior to Note. |  |  |  | Buyer Comment (2024-12-04): Approve<br>Reviewer Comment (2024-12-03): Received proof appraisal was emailed on [redacted] but no proof borrower received appraisal on [redacted]. [redacted] business days prior to consummation date is [redacted]. Without proof of day borrower received appraisal the system is using [redacted] as the receipt date which is not within [redacted] days of consummation date.<br>Buyer Comment (2024-11-20): Appraisal proof of delivery uploaded. |  |  | 12/04/2024 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 60 | 34608043 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage[redacted] | TILA HPML appraisal Rule [redacted] requirements not satisfied. | The loan file does not contain evidence the Borrower received the appraisal at least[redacted] business days prior to Note. |  |  |  | Buyer Comment (2024-12-04): Approve<br>Reviewer Comment (2024-12-03): Received proof appraisal was emailed on [redacted] but no proof borrower received appraisal on [redacted]. [redacted] business days prior to consummation date is [redacted]. Without proof of day borrower received appraisal the system is using [redacted] as the receipt date which is not within [redacted] business days of consummation date.<br>Buyer Comment (2024-11-20): Appraisal proof of delivery uploaded. |  |  | 12/04/2024 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 60 | 34608047 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule[redacted] : Creditor did not provide a copy of revised valuation to applican[redacted]) business days prior to consummation. | The loan file does not contain evidence the Borrower received the appraisal at least [redacted] days prior to Note. |  |  |  | Buyer Comment (2024-12-04): Approve<br>Reviewer Comment (2024-12-03): Received proof appraisal was emailed on [redacted] but no proof borrower received appraisal on [redacted]. [redacted] business days prior to consummation date is [redacted]. Without proof of day borrower received appraisal the system is using [redacted] as the receipt date which is not within [redacted] days of consummation date.<br>Buyer Comment (2024-11-20): Appraisal proof of delivery uploaded. |  |  | 12/04/2024 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 61 | 34608054 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - The appraisal delivery report received and updated in [redacted].<br>Buyer Comment (2024-12-05): Appraisal proof of delivery uploaded. | 12/09/2024 |  |  | 1 B A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 61 | 34608055 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML[redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR[redacted] . Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of[redacted] is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - The appraisal delivery report received and updated in [redacted].<br>Buyer Comment (2024-12-05): Appraisal proof of delivery uploaded. | 12/09/2024 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 61 | 34608056 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule [redacted]): Creditor did not provide a copy of each valuation to applicant t[redacted] business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Reviewer Comment (2024-12-09): Exception cleared - The appraisal delivery report received and updated in [redacted].<br>Buyer Comment (2024-12-05): Appraisal proof of delivery uploaded. | 12/09/2024 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 61 | 34608059 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2024-11-27): Sufficient Cure Provided At Closing |  | 11/27/2024 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 61 | 34608061 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] Sufficient or excess cure was provided to the borrower at Closing. | [redacted] tolerance was exceeded by[redacted] due to increase of Credit report fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-11-27): Sufficient Cure Provided At Closing |  | 11/27/2024 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 61 | 34608062 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted] |  |  |  | Reviewer Comment (2024-12-12): Fico score corrected as per [redacted] program matrix .Exception cleared<br>Buyer Comment (2024-12-11): Please note, matrix uploaded is for the[redacted]. Loan was underwritten and approved as a[redacted].<br>Reviewer Comment (2024-12-10): Matrix is Flexible advantage plus program, Exception remains.<br>Buyer Comment (2024-12-09): Please see uploaded matrix, loan program is [redacted] not a [redacted]. | 12/12/2024 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 62 | 34608134 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [redacted] bank statement and verification of business existence required within[redacted] business days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Reviewer Comment (2025-01-15): Provide the verification of business existence from a [redacted] party, such as a CPA, regulatory agency, or the applicable licensing bureau is required, Exception remains.<br>Buyer Comment (2025-01-13): The state business records are the relevant regulatory agency.<br>Reviewer Comment (2025-01-10): Exception Remains - Provide the verification of business existence of self-employed from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau is required.<br>Buyer Comment (2025-01-07): Attached is verification the business website remained up and active as of [redacted]. | 01/23/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 62 | 34608136 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Missing [redacted] bank statement. |  |  |  | Reviewer Comment (2025-01-08): Account statement provided.<br>Buyer Comment (2025-01-07): Attached. | 01/08/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 62 | 34608143 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay [redacted] : Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing [redacted] bank statement and verification of business existence required within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-13): [redacted].<br>Reviewer Comment (2025-01-10): Exception Remains - Provide the verification of business existence of self-employed from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau is required.<br>Buyer Comment (2025-01-07): [redacted], please see responses to findings [redacted] and [redacted]. | 01/23/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 62 | 34608144 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | Missing [redacted] bank statement and verification of business existence required within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-13): [redacted].<br>Reviewer Comment (2025-01-10): Exception Remains - Provide the verification of business existence of self-employed from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau is required.<br>Buyer Comment (2025-01-07): Waterfall, please see responses to findings [redacted] and [redacted]. | 01/23/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 62 | 34608145 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing [redacted] bank statement and verification of business existence required within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Reviewer Comment (2025-01-15): Provide the verification of business existence from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau is required, Exception remains.<br>Buyer Comment (2025-01-13): [redacted].<br>Reviewer Comment (2025-01-10): Exception Remains - Provide the verification of business existence of self-employed from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau is required.<br>Buyer Comment (2025-01-07): Waterfall, please see responses to findings [redacted] and [redacted]. | 01/23/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 62 | 34608146 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] : Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing [redacted] bank statement and verification of business existence required within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-01-23): Documents received, system cleared.<br>Buyer Comment (2025-01-13): [redacted].<br>Reviewer Comment (2025-01-10): Exception Remains - Provide the verification of business existence of self-employed from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau is required.<br>Buyer Comment (2025-01-07): Waterfall, please see responses to findings [redacted] and [redacted]. | 01/23/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 62 | 34608148 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Qualifying Ratios of [redacted] or less | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-20): Lender Exception with Compensating Factors provided. |  |  | 02/20/2025 | 2 B |  | CT | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 63 | 34608584 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure is missing. |  |  |  | Buyer Comment (2025-03-19): accept grade [redacted]<br>Reviewer Comment (2025-03-14): The provided Risk based pricing disclosure document does not reflect FICO scores. Exception remains.<br>Buyer Comment (2025-03-13): Risk based pricing disclosure; facta |  |  | 03/19/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 63 | 34608585 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-19): Sufficient Cure Provided At Closing |  | 02/19/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 63 | 34608586 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-19): Sufficient Cure Provided At Closing |  | 02/19/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 63 | 34608588 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing documentation to show the borrower's percentage of<br> business ownership. |  |  |  | Reviewer Comment (2025-05-19): CPA Letter received and associated. Exception cleared.<br>Buyer Comment (2025-05-16): CPA letter with ownership interest confirmed<br>Reviewer Comment (2025-03-13): Documentation must be provided to show the borrower's percentage of business ownership. Exception remains<br>Buyer Comment (2025-03-12): Borrower's business as a mobile food vendor is solely owned and operated. Please see attached state of [redacted]licensing information license is issued to an individual therefore the business would be considered [redacted]% owned/operated by the licensed individual. Also included are instructions to apply for license, documentation is for an individual including proof of their home address, ssn or taxpayer ID and government issued ID. Tax preparer who completed P&L for borrower also confirmed borrower is a food vendor. See upload of state requirements | 05/19/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 63 | 34608589 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Documentation must be provided to show the borrower's percentage of<br> business ownership |  |  |  | Reviewer Comment (2025-05-19): CPA Letter received and associated. Exception cleared.<br>Buyer Comment (2025-05-16): CPA letter with ownership interest confirmed<br>Reviewer Comment (2025-03-13): Documentation must be provided to show the borrower's percentage of business ownership. Exception remains<br>Buyer Comment (2025-03-12): Borrower's business as a mobile food vendor is solely owned and operated. Please see attached state of [redacted] licensing information license is issued to an individual therefore the business would be considered [redacted]% owned/operated by the licensed individual. Also included are instructions to apply for license, documentation is for an individual including proof of their home address, ssn or taxpayer ID and government issued ID. Tax preparer who completed P&L for borrower also confirmed borrower is a food vendor. See upload of state requirements uploaded | 05/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 63 | 34608590 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Documentation must be provided to show the borrower's percentage of business ownership |  |  |  | Reviewer Comment (2025-05-19): CPA Letter received and associated. Exception cleared.<br>Buyer Comment (2025-05-16): CPA letter with ownership interest confirmed<br>Reviewer Comment (2025-03-13): Documentation must be provided to show the borrower's percentage of business ownership. Exception remains<br>Buyer Comment (2025-03-12): p&l and vendor license<br>Buyer Comment (2025-03-12): Borrower's business as a mobile food vendor is solely owned and operated. Please see attached state of [redacted]licensing information license is issued to an individual therefore the business would be considered [redacted]% owned/operated by the licensed individual. Also included are instructions to apply for license, documentation is for an individual including proof of their home address, ssn or taxpayer ID and government issued ID. Tax preparer who completed P&L for borrower also confirmed borrower is a food vendor | 05/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 63 | 34608591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Documentation must be provided to show the borrower's percentage of<br> business ownership |  |  |  | Reviewer Comment (2025-05-19): CPA Letter received and associated. Exception cleared.<br>Buyer Comment (2025-05-16): CPA letter with ownership interest confirmed<br>Reviewer Comment (2025-03-13): Documentation must be provided to show the borrower's percentage of business ownership. Exception remains<br>Buyer Comment (2025-03-12): p&l and vendor license<br>Buyer Comment (2025-03-12): Borrower's business as a mobile food vendor is solely owned and operated. Please see attached state of [redacted]licensing information license is issued to an individual therefore the business would be considered [redacted]% owned/operated by the licensed individual. Also included are instructions to apply for license, documentation is for an individual including proof of their home address, ssn or taxpayer ID and government issued ID. Tax preparer who completed P&L for borrower also confirmed borrower is a food vendor | 05/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 63 | 34608592 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Documentation must be provided to show the borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-19): CPA Letter received and associated. Exception cleared.<br>Buyer Comment (2025-05-16): CPA letter with ownership interest confirmed<br>Reviewer Comment (2025-03-13): Documentation must be provided to show the borrower's percentage of business ownership. Exception remains<br>Buyer Comment (2025-03-12): vendor license and p&l<br>Buyer Comment (2025-03-12): Borrower's business as a mobile food vendor is solely owned and operated. Please see attached state of [redacted]licensing information license is issued to an individual therefore the business would be considered [redacted]% owned/operated by the licensed individual. Also included are instructions to apply for license, documentation is for an individual including proof of their home address, ssn or taxpayer ID and government issued ID. Tax preparer who completed P&L for borrower also confirmed borrower is a food vendor | 05/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 64 | 34608597 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | File is missing FACTA Disclosure. |  |  |  | Buyer Comment (2025-03-04): Approve |  |  | 03/04/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 65 | 34608721 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is a non warrantable condo. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Residual income [redacted]<br>Low default risk with substantial equity, LTV [redacted]lower than matrix.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-04-14): Lender exception with compensating factors. |  |  | 04/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 65 | 34608722 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan file is missing a verification of the business used for income qualification within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-04-24): Verification of business provided, system cleared.<br>Buyer Comment (2025-04-18): Closing verification attached. | 04/24/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 65 | 34608723 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | The loan file is missing a verification of the business used for income qualification within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-04-24): Verification of business provided, system cleared.<br>Buyer Comment (2025-04-18): See finding [redacted] | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 65 | 34608724 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): 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 used for income qualification within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-04-24): Verification of business provided, system cleared.<br>Buyer Comment (2025-04-18): See finding [redacted] | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 65 | 34608725 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing a verification of the business used for income qualification within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-04-24): Verification of business provided, exception cleared.<br>Buyer Comment (2025-04-18): See finding [redacted] | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 65 | 34608726 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | The loan file documents a Judgments / Balance: [redacted]that the loan file does not document is satisfied/paid. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Residual income [redacted]<br>Low default risk with substantial equity, LTV [redacted]lower than matrix.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-08): Lender exception with compensating factors.<br>Buyer Comment (2025-04-25): .<br>Reviewer Comment (2025-04-24): Doc id [redacted], judgment.<br>Buyer Comment (2025-04-18): Can you specify the document/page showing this lien? Could not locate on typical forms. |  |  | 04/25/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608859 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient, please provide recent HOI Policy OR Replacement Cost Estimator. |  |  |  | Reviewer Comment (2025-04-28): RCE provided, exception cleared.<br>Buyer Comment (2025-04-24): replacement cost estimator uploaded | 04/28/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608861 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant ([redacted]) business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-04-28): Delivery provided, system cleared.<br>Buyer Comment (2025-04-24): Proof of delivery from [redacted]uploaded | 04/28/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608862 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-04-28): Delivery provided, system cleared.<br>Buyer Comment (2025-04-24): Proof of delivery from [redacted]uploaded | 04/28/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608863 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-04-28): Delivery provided, system cleared.<br>Buyer Comment (2025-04-24): Proof of delivery from [redacted]uploaded | 04/28/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608866 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing verification borrower is [redacted]% owner of business and business has been in existence for [redacted] ([redacted]) years |  |  |  | Reviewer Comment (2025-05-06): Ownership documentation and two year business existence provided, system cleared.<br>Reviewer Comment (2025-05-02): Document provided reflecting sole ownership is dated [redacted]. Please provide recent documentation of borrower's ownership.<br>Buyer Comment (2025-04-30): Please note, documentation provided reflects borrower as a sole member and no additional documentation is required. Please escalate to [redacted] if you are unable to clear exception.<br>Reviewer Comment (2025-04-28): Provided document is dated [redacted]can be used for business in existence for [redacted]years however, ownership percentage per guidelines acceptable documentation: Articles of Incorporation with stock ownership breakdown<br> § the business's Operating Agreement,<br> § a Corporate Resolution, or<br> § letter from the company's tax preparer.<br> Exception remains.<br>Buyer Comment (2025-04-24): Document from IRS stating borrower is sole member | 05/06/2025 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 66 | 34608867 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Missing verification borrower is [redacted]% owner of business and business has been in existence for [redacted] ([redacted]) years |  |  |  | Reviewer Comment (2025-05-06): Ownership documentation and [redacted] year business existence provided, system cleared.<br>Reviewer Comment (2025-05-02): Document provided reflecting sole ownership is dated [redacted]. Please provide recent documentation of borrower's ownership.<br>Buyer Comment (2025-04-30): Please note, documentation provided reflects borrower as a sole member and no additional documentation is required. Please escalate to [redacted] if you are unable to clear exception.<br>Reviewer Comment (2025-04-28): Provided document is dated [redacted]can be used for business in existence for [redacted]years however, ownership percentage per guidelines acceptable documentation: Articles of Incorporation with stock ownership breakdown<br> § the business's Operating Agreement,<br> § a Corporate Resolution, or<br> § letter from the company's tax preparer.<br> Exception remains.<br>Buyer Comment (2025-04-24): Document from IRS stating borrower is sole member uploaded | 05/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608868 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification borrower is [redacted]% owner of business and business has been in existence for [redacted] ([redacted]) years |  |  |  | Reviewer Comment (2025-05-06): Ownership documentation and [redacted] year business existence provided, exception cleared.<br>Reviewer Comment (2025-05-02): Document provided reflecting sole ownership is dated [redacted]. Please provide recent documentation of borrower's ownership.<br>Buyer Comment (2025-04-30): Please note, documentation provided reflects borrower as a sole member and no additional documentation is required. Please escalate to [redacted] if you are unable to clear exception.<br>Reviewer Comment (2025-04-28): Provided document is dated [redacted]can be used for business in existence for [redacted]years however, ownership percentage per guidelines acceptable documentation: Articles of Incorporation with stock ownership breakdown<br> § the business's Operating Agreement,<br> § a Corporate Resolution, or<br> § letter from the company's tax preparer.<br> Exception remains.<br>Buyer Comment (2025-04-24): Document from IRS stating borrower is sole member uploaded | 05/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608869 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification borrower is [redacted]% owner of business and business has been in existence for [redacted] ([redacted]) years |  |  |  | Reviewer Comment (2025-05-06): Ownership documentation and two year business existence provided, system cleared.<br>Reviewer Comment (2025-05-02): Document provided reflecting sole ownership is dated [redacted]. Please provide recent documentation of borrower's ownership.<br>Buyer Comment (2025-04-30): Please note, documentation provided reflects borrower as a sole member and no additional documentation is required. Please escalate to [redacted] if you are unable to clear exception.<br>Reviewer Comment (2025-04-28): Provided document is dated [redacted]can be used for business in existence for [redacted]years however, ownership percentage per guidelines acceptable documentation: Articles of Incorporation with stock ownership breakdown<br> § the business's Operating Agreement,<br> § a Corporate Resolution, or<br> § letter from the company's tax preparer.<br> Exception remains.<br>Buyer Comment (2025-04-24): Document from IRS stating borrower is sole member uploaded | 05/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 66 | 34608870 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing verification borrower is [redacted]% owner of business and business has been in existence for [redacted] ([redacted]) years |  |  |  | Reviewer Comment (2025-05-06): Ownership documentation and [redacted]year business existence provided, exception cleared.<br>Reviewer Comment (2025-05-02): Document provided reflecting sole ownership is dated [redacted]. Please provide recent documentation of borrower's ownership.<br>Buyer Comment (2025-04-30): Please note, documentation provided reflects borrower as a sole member and no additional documentation is required. Please escalate to [redacted] if you are unable to clear exception.<br>Reviewer Comment (2025-04-28): Provided document is dated [redacted] can be used for business in existence for [redacted]years however, ownership percentage per guidelines acceptable documentation: Articles of Incorporation with stock ownership breakdown<br> § the business's Operating Agreement,<br> § a Corporate Resolution, or<br> § letter from the company's tax preparer.<br> Exception remains.<br>Buyer Comment (2025-04-24): Document from IRS stating borrower is sole member uploaded | 05/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 67 | 34608985 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Buyer Comment (2025-04-30): . |  |  | 04/30/2025 | 2 B |  | TX | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 67 | 34608986 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to DTI exceeding maximum of [redacted] |  |  |  | Reviewer Comment (2025-05-02): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-05-02): ..<br>Reviewer Comment (2025-05-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-30): Please see [redacted] | 05/02/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 67 | 34608987 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to Recording Fee & Title Fees. No valid COC provided. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-06): [redacted]received a valid COC.<br>Buyer Comment (2025-05-05): Attached.<br>Reviewer Comment (2025-05-02): [redacted]Received COC along with copy of deed; however, copy of deed is not notarized. Provide copy of notarized deed.<br>Buyer Comment (2025-04-30): The additional fees are due to curative title work requested by the borrower. See the attached COC, deed with correction, and the CD disclosing the additional fees. | 05/06/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 67 | 34608988 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | [redacted]DTI exception. Guideline max is [redacted]%. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-30): Attached is evidence the American Express credit line was paid off prior to closing, so the [redacted]/month credit debt should be removed from calculations. Additionally attached is the approval of the [redacted] DTI exception. DTI should be [redacted] |  |  | 05/02/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 67 | 34608989 |  | 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 [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI of [redacted]% exceeds Guideline total debt ratio of [redacted]%. | Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-05-02): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.)<br>Buyer Comment (2025-04-30): Please see [redacted] |  |  | 05/02/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 67 | 34608990 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to DTI exceeding maximum of [redacted]%. |  |  |  | Reviewer Comment (2025-05-02): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-04-30): Please see [redacted] | 05/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 68 | 34609398 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted] : Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] [redacted] endorsement or the [redacted] endorsement. (The loan is a [redacted] Section [redacted] home equity loan.) | Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] endorsement or the [redacted] endorsement. |  |  |  | Buyer Comment (2025-05-29): Accepted |  |  | 05/29/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Home Improvement | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 68 | 34609399 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-30): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-29): Please see PCCD and pymt history showing a cure for the amount of $[redacted] due to increase in credit report fee |  | 05/30/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 68 | 34609400 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-30): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/30/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 69 | 34609466 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-02): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-30): Fees of closing protection letter $[redacted], and notary fee $[redacted], and document preparation fee of $[redacted] all are paid to [redacted] and listed under section B, therefore they should be included in [redacted]% tolerance bucket. The $[redacted]document prep fee increased due to COC of title being changed from business to individual, thus resetting tolerance. Provided cure is sufficient.<br>Reviewer Comment (2025-05-27): [redacted] Received Cure Docs for $[redacted]; however, overall cure required for Title - Abstract and [redacted]% fees is $[redacted]. Kindly provide Cure docs for additional Cure of $[redacted].<br>Buyer Comment (2025-05-27): PC CD and payment history uploaded |  | 06/02/2025 |  | 2 C B |  | DC | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 69 | 34609467 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of[redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-02): [redacted] received a valid COC.<br>Buyer Comment (2025-05-30): Application started in the name of the borrower's business, and through structuring the loan, needed to be transferred to the name of the borrower as an individual. This was done at the borrower's request, and a deed was generated on [redacted]. Due to this COC the transfer tax was identified and re-disclosed on [redacted]. COC uploaded | 06/02/2025 |  |  | 1 C A |  | DC | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 69 | 34609468 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-02): [redacted] received a valid COC.<br>Buyer Comment (2025-05-30): Fees of closing protection letter $[redacted], and notary fee $[redacted], and document preparation fee of $[redacted]all are paid to [redacted] and listed under section B, therefore they should be included in [redacted]% tolerance bucket. The $[redacted]document prep fee increased due to COC of title being changed from business to individual, thus resetting tolerance. Provided cure is sufficient.<br>Reviewer Comment (2025-05-27): [redacted] Received Cure Docs for $[redacted]; however, overall cure required for Title - Abstract and [redacted]% fees is $[redacted]. Kindly provide Cure docs for additional Cure of $[redacted].<br>Buyer Comment (2025-05-27): PC CD and payment history uploaded | 06/02/2025 |  |  | 1 C A |  | DC | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 69 | 34609469 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/02/2025 |  | 1 A |  | DC | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 70 | 34609689 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-04): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-06-03): PC CD and payment history uploaded |  | 06/04/2025 |  | 2 C B |  | PA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 70 | 34609690 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-04): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/04/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 71 | 34609918 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Attached. | 07/08/2025 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 71 | 34609921 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Buyer Comment (2025-07-03): . |  |  | 07/03/2025 | 2 B |  | TX | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 72 | 34610770 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 72 | 34610772 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non borrowing, non spouse vested on title. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least [redacted]<br>Borrower has worked in the same position for more than[redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted]% and [redacted]<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-26): Client elects to waive with compensating factors. |  |  | 09/26/2025 | 2 B |  | FL | Primary | Purchase | A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 73 | 34610980 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative [redacted]score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender provided exception for FICO[redacted] required for cash-out refinance. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly [redacted] have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Lender Exception with [redacted] provided for [redacted] and [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-26): Compensating Factor: Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2022-10-17): Lender Exception with Comp Factors provided for regrade and waive |  |  | 10/17/2022 | 2 B |  | CA | Investment | Refinance - Cash-out - Home Improvement | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 73 | 34610982 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender provided exception to approve exception that borrower exceeds the number of late payments allowed per the guidelines. Guidelines allow [redacted]day late, borrower has [redacted] [redacted] and [redacted]& [redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly [redacted] have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Lender Exception with [redacted] provided for [redacted] and [redacted] | SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-26): Compensating factor: Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2022-10-17): Lender Exception with Comp Factors provided for regrade and waive |  |  | 10/17/2022 | 2 B |  | CA | Investment | Refinance - Cash-out - Home Improvement | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 74 | 34610990 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Rider 1-4 Family not provided. |  |  |  | Reviewer Comment (2023-08-21): Provided.<br>Buyer Comment (2023-08-17): Attached | 08/21/2023 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 74 | 34610991 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment Rider not provided. |  |  |  | Reviewer Comment (2023-08-21): Provided.<br>Buyer Comment (2023-08-17): Attached | 08/21/2023 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 74 | 34610992 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free. Per guidelines, living rent free is not acceptable. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | [redacted]% below maximum LTV of [redacted]%. | SitusAMC<br>Originator | Reviewer Comment (2023-08-21): Lender Exception with Compensating Factor.<br>Buyer Comment (2023-08-17): An exception was approved for this item (corrected approval attached with relevant compensating factor used; a system error previously caused these to print with incorrect CFs). |  |  | 08/21/2023 | 2 C B |  | IN | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 74 | 34610993 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2023-08-21): DL provided.<br>Buyer Comment (2023-08-17): Attached. | 08/21/2023 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 74 | 34610994 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Appraisal indicates subject property is vacant. LTV of [redacted]% exceeds the guideline maximum of [redacted]% for a refinance transaction unleased. |  |  |  | Reviewer Comment (2023-08-21): Lease provided.<br>Buyer Comment (2023-08-17): Correction - FICO is over [redacted], allowable LTV is [redacted]%.<br>Buyer Comment (2023-08-17): Property is not vacant, please see the attached lease. Appraisal was completed [redacted], when the property was vacant, then the tenant began to occupy on [redacted] per the lease, and the loan closed on [redacted]. Thus allowable LTV/CLTV is [redacted]%. | 08/21/2023 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 74 | 34610995 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Appraisal indicates subject property is vacant. CLTV of [redacted]% exceeds the guideline maximum of [redacted]% for a refinance transaction unleased. |  |  |  | Reviewer Comment (2023-08-21): Lease provided.<br>Buyer Comment (2023-08-17): Correction - FICO is over [redacted], allowable LTV is [redacted]%.<br>Buyer Comment (2023-08-17): Lease attached to LTV exception. Property is not vacant, please see the attached lease. Appraisal was completed [redacted], when the property was vacant, then the tenant began to occupy on [redacted] per the lease, and the loan closed on [redacted]. Thus allowable LTV/CLTV is [redacted]%. | 08/21/2023 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 76 | 34611028 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for multiple financed properties with [redacted] Mortgage Services. The guidelines have a limit of [redacted]financed properties with [redacted]. The compensating factors are reserve amount and prior homeownership experience. | The representative [redacted]score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Prior Homeownership Experience (No FC or SS).<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors provided. |  |  | 02/13/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 76 | 34611029 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide corrected [redacted]with accurate number of REOs and financed properties. |  |  |  | Reviewer Comment (2025-02-27): Within guidelines, exception cleared.<br>Buyer Comment (2025-02-25): see guideline information regarding reo section of [redacted]<br>Buyer Comment (2025-02-25): All liabilities are listed, condition stated REO's and financed properties included which is not accurate per program guidelines. Full REO is not required on investor advantage loans. Subject and primary residence are all that must be disclosed and are listed on [redacted], both are listed on [redacted]<br>Reviewer Comment (2025-02-24): Guidelines state all mortgage debts must be disclosed under liabilities.<br>Buyer Comment (2025-02-20): Please see attached snippet of guidelines for product confirming REO schedule is not required to include other REO properties besides subject and [redacted] residence | 02/27/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 76 | 34611030 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Certificate of Good Standing dated more than [redacted]days property to the Note. Please provide copy dated within [redacted]days of the Note. |  |  |  | Reviewer Comment (2025-03-05): COGS provided<br>Buyer Comment (2025-03-03): The document was pulled from website the date it was uploaded. Please see original document uploaded [redacted] with highlighted area confirming document date of [redacted], document could not have been pulled over [redacted] days from note date if document was generated [redacted]. Please review documents again for consideration<br>Reviewer Comment (2025-02-27): Document reflects when entity lookup was uploaded to the system but does not reflect the date the document was pulled from the website.<br>Buyer Comment (2025-02-25): please see date stamp of document prior to note date<br>Reviewer Comment (2025-02-24): Please provide a certificate of good standing within [redacted] days of the Note, time stamp from date pulled can be used.<br>Buyer Comment (2025-02-20): please see highlighted area of document, copyright [redacted]. [redacted] is the date of filing, state docs do not print date searched but it can be confirmed based on the year of the document noted on bottom right corner | 03/05/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 76 | 34611031 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Provide Articles of Organization for [redacted]Rentals. |  |  |  | Reviewer Comment (2025-02-21): Articles of Organization provided Exception cleared<br>Buyer Comment (2025-02-20): Single member LLC operating agreement uploaded | 02/21/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 78 | 34611035 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the Borrower having more than [redacted]financed properties with [redacted]Mortgage Services. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience (No FC or SS). | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors provided. |  |  | 02/13/2025 | 2 B |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 78 | 34611037 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Certificate of Good Standing dated more than [redacted]days property to the Note. Please provide copy dated within [redacted]days of the Note. |  |  |  | Reviewer Comment (2025-02-24): Documents received.<br>Buyer Comment (2025-02-20): please see highlighted area of document, copyright [redacted]. [redacted] is the date of filing, state docs do not print date searched but it can be confirmed based on the year of the document noted on bottom right corner | 02/24/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 79 | 34611039 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for multiple financed properties with [redacted]. Compensating factors: Substantial cash reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative [redacted] score exceeds the guideline minimum by at least [redacted] points. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors. |  |  | 02/13/2025 | 2 B |  | SC | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 80 | 34611123 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower's EAD card in file reflects [redacted] employment authorization which is ineligible per guidelines. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous | Substantial cash reserves.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-06): updated approval of visa class<br>Reviewer Comment (2025-05-01): Please provide compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 05/08/2025 | 2 C B |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 81 | 34611281 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA Disaster area provide A post disaster inspection verifying there was no damage the inspection must include exterior photos and the property must be re-inspected on or after .[redacted].. declared end date. |  |  |  | Reviewer Comment (2025-07-24): Provided.<br>Buyer Comment (2025-07-21): Re-inspection report uploaded. | 07/24/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 82 | 34611287 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | DSCR on subject property >[redacted].<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Client elects to waive with compensating factors. |  |  | 06/20/2025 | 2 B |  | MD | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 84 | 35714548 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2024-09-06): Received appraisal (POCB) invoice. Verified and updated details. Exception Cleared.<br>Buyer Comment (2024-09-04): Appraisal invoice reflecting paid by cc uploaded. Borrower meets [redacted] month requirement. | 09/06/2024 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 85 | 35714549 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary Valuation is missing in file. |  |  |  | Reviewer Comment (2024-09-20): Exception cleared. Received document and updated correctly.<br>Buyer Comment (2024-09-18): Appraisal review CU uploaded. | 09/20/2024 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 86 | 35714551 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent Form is Missing. |  |  |  | Reviewer Comment (2025-05-28): Received Warranty deeds. Exception Cleared.<br>Buyer Comment (2025-05-27): spousal consent uploaded | 05/28/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 86 | 35714552 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is Missing. |  |  |  | Reviewer Comment (2025-05-28): Received Warranty deeds. Exception Cleared.<br>Buyer Comment (2025-05-27): spousal consent | 05/28/2025 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 88 | 35714555 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet the minimum ownership percentage for a file currently vested in an LLC (Guidelines require [redacted]% and borrower has [redacted]%). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 89 | 35714557 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for non warrantable condo. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+ | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-18): Lender Exception with Compensating Factors. |  |  | 08/18/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 89 | 35714558 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower does not meet the minimum percentage requirement for a file current vested in an LLC. Borrower has [redacted]% ownership and guidelines require [redacted]%. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+ | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-10): Lender exception with compensating factors. |  |  | 12/10/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 92 | 35714562 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-08-29): Cleared.<br>Buyer Comment (2025-08-20): Based on the INVADV guidelines, for all established condos without PERS or FHA approvals an HOA Certification Review (InterIsland HOA Questionnaire) is required. This is [redacted]in the loan file. | 08/29/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 94 | 35714565 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The lender exception has been requested for borrower does not meet the minimum FICO requirement. The exception is approved guideline require a minimum [redacted]FICO, actual FICO is [redacted]. Compensating factors were cited as substantial cash reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-17): Lender exception with compensating factors.<br>Reviewer Comment (2025-08-17): Lender Exception with Compensating Factors. |  |  | 08/17/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 94 | 35714566 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for unverifiable housing. Compensating factors were cited as substantial cash reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-10): Lender exception with compensating factors.<br>Reviewer Comment (2025-08-17): Lender Exception with Compensating Factors. |  |  | 08/17/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 103 | 35714574 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The coverage amount is insufficient. Please provide Replacement cost estimator. |  |  |  | Reviewer Comment (2025-09-12): RCE provided, exception cleared.<br>Buyer Comment (2025-09-10): RCE uploaded reflecting coverage is sufficient.<br>Reviewer Comment (2025-09-05): I am not seeing in guidelines where we can use rent loss coverage (income protection) as additional dwelling coverage. Guidelines state dwelling and other structures but hazard policy does not include other structure coverage or replacement cost coverage.<br>Buyer Comment (2025-09-02): [redacted]shows Hazard coverages as $[redacted]for building, plus $[redacted]for income protection. [redacted]also includes emails with HOI company indicating $[redacted]rent/loss coverage is included in the income protection. | 09/12/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 108 | 35714581 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent credit management with FICO [redacted]+<br>Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]= months and [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender Exception with Compensating Factors. |  |  | 08/27/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 112 | 35714586 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-26): Client elects to waive with compensating factors. |  |  | 08/26/2025 | 2 B |  | NC | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 115 | 35714590 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for Tradelines. Borrower [redacted] does not meet the minimum tradeline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender Exception with Compensating Factors. |  |  | 08/27/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 116 | 35714592 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): COGS provided<br>Buyer Comment (2025-09-02): evidence business is in good standing uploaded | 09/05/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 117 | 35714594 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-26): Client elects to waive with compensating factors. |  |  | 08/26/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 118 | 35714596 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): business documents provided support all pertinent information required; date business was registered, registered agent, EIN confirming business is sole member, evidence of active business and LLC operating agreement. Articles of organization are not required based on information provided | 09/05/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 119 | 35714598 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-02): Uploaded EMD cashier's check, bank statement to support EMD funds withdrawn from acct and appraisal invoice to support reserves required | 09/05/2025 |  |  | 1 C A |  | AR | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 122 | 35714603 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-03): Transfer deed uploaded | 09/05/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 122 | 35714604 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): uploaded final [redacted]with updated verified assets and final funds to close. Updated [redacted]and non-agency loan approval all supporting sufficient reserves after closing, [redacted]months. [redacted] account balance updated to reflect wire drawn from account and deposited into escrow, Chase account remaining balance after cashier check purchase utilized to support [redacted]months reserves at close of escrow.<br>Buyer Comment (2025-09-25): uploaded final [redacted]with updated verified assets and final funds to close. Updated [redacted] and non-agency loan approval all supporting sufficient reserves after closing, [redacted]months. [redacted] account balance updated to reflect wire drawn from account and deposited into escrow, Chase account remaining balance after cashier check purchase utilized to support [redacted]months reserves at close of escrow.<br>Buyer Comment (2025-09-25): uploaded final [redacted]with updated verified assets and final funds to close. Updated [redacted]and non-agency loan approval all supporting sufficient reserves after closing, [redacted]months. [redacted]account balance updated to reflect wire drawn from account and deposited into escrow, Chase account remaining balance after cashier check purchase utilized to support [redacted]months reserves at close of escrow.<br>Reviewer Comment (2025-09-05): We agree with verified asset + EMD = $[redacted]but disagree on funds to close. Verified $[redacted]cash to close + $[redacted]POC + $[redacted]EMD = $[redacted]funds to close. Leaving only $[redacted]for reserves and $[redacted]required ([redacted]months).<br>Buyer Comment (2025-09-04): appraisal invoice<br>Buyer Comment (2025-09-04): funding cd, emd and evidence emd cleared account uploaded; verified assets $[redacted]+ $[redacted]EMD = $[redacted]- $[redacted]funds to close = $[redacted]/[redacted]= [redacted]months reserves | 09/29/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 122 | 35714605 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower does not meet the [redacted] month reserve requirement. |  |  |  | Reviewer Comment (2026-01-30): cleared.<br>Reviewer Comment (2026-01-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2026-01-28): pccd with cover letter including deposits<br>Reviewer Comment (2026-01-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Reviewer Comment (2026-01-27): The $[redacted]is not reflected on the final CD to use as a deposit. Exception remains.<br>Buyer Comment (2026-01-16): please review prior notes and update balance with[redacted] account $[redacted]based on funds deposited into escrow (also uploaded in last submission). Total assets available $[redacted]- $[redacted]funds to close (including paid appraisal invoice [redacted] uploaded to loan file) = $[redacted]/ $[redacted]= [redacted]months reserves<br>Reviewer Comment (2026-01-15): Total assets available $[redacted]less $[redacted]funds to close = $[redacted]([redacted]months) for reserves. Required [redacted]months.<br>Buyer Comment (2026-01-13): final funds to close<br>Buyer Comment (2026-01-13): [redacted]<br>Buyer Comment (2026-01-13): updated [redacted]/non-agency loan approval with funds to close updated based on funds deposited into escrow. [redacted] acct wired funds to close, updated available balance to support funds withdrawn and deposited into escrow. remaining balance of chase acct supports [redacted]months reserves (chase stmt dtd [redacted] funds to close = $[redacted] [redacted] = [redacted]months). EMD cleared chase acct [redacted]<br>Buyer Comment (2026-01-13): updated [redacted]/non-agency loan approval with funds to close updated based on funds deposited into escrow. [redacted]acct wired funds to close, updated available balance to support funds withdrawn and deposited into escrow. remaining balance of chase acct supports [redacted]months reserves (chase stmt dtd [redacted] funds to close = $[redacted] pitia = [redacted]months). EMD cleared chase acct [redacted]<br>Buyer Comment (2026-01-13): updated [redacted]/non-agency loan approval with funds to close updated based on funds deposited into escrow.[redacted] acct wired funds to close, updated available balance to support funds withdrawn and deposited into escrow. remaining balance of chase acct supports [redacted]months reserves (chase stmt dtd [redacted] funds to close = $[redacted] pitia = [redacted]months). EMD cleared chase acct [redacted] | 01/30/2026 |  |  | 1 A |  | NY | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 125 | 35714609 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for [redacted] financed properties, allowed max financed [redacted] properties is [redacted]. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Experienced landlord with [redacted]+ investment properties & mortgage [redacted].<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 126 | 35714611 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-09-05): COGS provided<br>Buyer Comment (2025-09-03): Evidence business is in good standing uploaded | 09/05/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 126 | 35714612 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing month to month lease agreements for units [redacted], [redacted] and [redacted]. |  |  |  | Reviewer Comment (2025-09-05): Lease agreements provided<br>Buyer Comment (2025-09-03): lease agreements for units [redacted] expires over [redacted]days from closing, month to month not needed. Units[redacted] note month to month term in agreement<br>Buyer Comment (2025-09-03): lease agreements for units [redacted]expires over [redacted]days from closing, month to month not needed. Units[redacted] note month to month term in agreement<br>Buyer Comment (2025-09-03): lease agreements for units[redacted] expires over [redacted]days from closing, month to month not needed. Units [redacted] note month to month term in agreement | 09/05/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 127 | 35714614 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is not provided in file |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): PPP Rider uploaded | 09/05/2025 |  |  | 1 C A |  | MI | Investment | Purchase | D A |  | N/A | Yes |
| [redacted] | [redacted] | [redacted] | 127 | 35714615 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): Warranty Deed uploaded | 09/05/2025 |  |  | 1 D A |  | MI | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 129 | 35714618 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender exception approved at origination for a non-warrantable condominium. Compensating factors were cited as cash reserves and [redacted]+ years on the job. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-10): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | VA | Investment | Purchase | D B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 129 | 35714619 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-03): Please see attached Transfer Deed. | 09/05/2025 |  |  | 1 D A |  | VA | Investment | Purchase | D B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 131 | 35714623 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing. |  |  |  | Reviewer Comment (2025-09-17): Documentation provided, exception cleared.<br>Buyer Comment (2025-09-16): Refer to document [redacted]to see borrower as sole member, per guidelines Entity Articles of Organization, Partnership and Operating Agreements are "if applicable", see snip uploaded. | 09/17/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 131 | 35714624 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [redacted] [redacted] financed properties and guidelines only allow for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Miscellaneous<br>Borrower's Experience/Track Record | The DSCR of [redacted]is greater than the minimum required DSCR of [redacted].<br>Experienced landlord with [redacted]+ investment properties & Mortgages [redacted].<br>Documented Investor/Landlord history >5 years. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-12-11): Lender exception with compensating factors.<br>Reviewer Comment (2025-12-11): ...<br>Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 134 | 35714628 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet seasoning requirements for cash out (Guidelines required a minimum of [redacted]- month ownership for a cash out transaction). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent credit management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 09/09/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 136 | 35714631 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted]is less than Guideline representative FICO score of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months &[redacted]<br>Experienced landlord with [redacted]+ investment properties & mortgage [redacted]. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-09-09): Client elects to waive with compensating factors. |  |  | 09/09/2025 | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 138 | 35714634 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a [redacted]non-permanent resident which is ineligible per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent credit management with FICO [redacted]+.<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 138 | 35714635 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage payment history does not meet guidelines. [redacted]when guidelines only allow for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent credit management with FICO [redacted]+.<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 138 | 35714636 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive delinquency due to lien past maturity date (Guidelines require all liens be paid by maturity date). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent credit management with FICO [redacted]+.<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-18): Lender exception with compensating factors. |  |  | 12/18/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 140 | 35714639 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted]is less than Guideline representative FICO score of [redacted]for waiving escrows. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | Originator,SitusAMC | Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 09/09/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 143 | 35714643 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Provide Hazard Insurance document active at that time of closing date. Provided one is Future date. |  |  |  | Reviewer Comment (2025-10-07): cleared.<br>Buyer Comment (2025-10-03): Final policy dec page showing effective date of [redacted]uploaded. | 10/07/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 148 | 35714649 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Large deposits into account ending [redacted]in the amount of $[redacted]and $[redacted]on [redacted]were not sourced as required by guidelines. |  |  |  | Reviewer Comment (2025-09-18): Evidence of large deposit provided, exception cleared.<br>Buyer Comment (2025-09-17): Source documents uploaded | 09/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 157 | 35714658 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title commitment in file disclosed $[redacted]of title insurance coverage, however this is less than the loan amount of $[redacted]. Provide copy of the final title policy or and addendum to the title preliminary/commitment report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): title policy with correct insured amount | 09/23/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 157 | 35714659 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-23): Cleared. | 09/23/2025 |  |  | 1 A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 158 | 35714661 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title policy coverage is less than original loan amount, The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]. |  |  |  | Reviewer Comment (2025-09-25): Cleared.<br>Buyer Comment (2025-09-23): Escrow instructions have been sufficient in all prior cases, please double check.<br>Reviewer Comment (2025-09-22): Please provide documentation from title company with updated title policy amount.<br>Buyer Comment (2025-09-18): Escrow instructions page [redacted]confirm coverage increased to match loan amount. | 09/25/2025 |  |  | 1 B A |  | NY | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 160 | 35714664 |  | Credit | Credit | Credit Eligibility | Credit | Unacceptable credit - late payments [redacted]or greater within the last [redacted]months. |  | The credit report reflects [redacted]in the past [redacted]months and guidelines only allow for [redacted]. |  |  |  | Reviewer Comment (2025-09-24): Cleared.<br>Reviewer Comment (2025-09-23): [redacted] reflects[redacted] days lates [redacted] and [redacted] for mortgage payments.<br>Buyer Comment (2025-09-19): verification of mortgage with [redacted]late reported | 09/24/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 161 | 35714666 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose and certification (informational) as required by guidelines. |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): Please see the initial and final Business Purpose certificate attached. also please be aware that the initial business disclosure does not need to be signed is just for information purposes. | 09/23/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 162 | 35714668 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | The loan file does not contain the Deed granting property to Borrower and Co-borrower. Prior Deed in file reflects another person in title. |  |  |  | Reviewer Comment (2025-09-25): Cleared.<br>Buyer Comment (2025-09-23): Attached. | 09/25/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 165 | 35714672 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose certification (informational) as required by guidelines. |  |  |  | Reviewer Comment (2025-09-24): Cleared.<br>Buyer Comment (2025-09-22): Please see the initial and final business purpose certificate attached, also, please be aware that the initial disclosure does not need to be signed by the bwr | 09/24/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 169 | 35714677 |  | Credit | Missing Document | General | Missing Document | ACH was missing from file. |  | ACH verification is missing in file. |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): ACH instruction forms sent out with docs | 09/23/2025 |  |  | 1 C A |  | DC | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 169 | 35714678 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] citizen Status not provided |  | Verification of Non-[redacted] citizen is missing in file. |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): ITIN documentation | 09/23/2025 |  |  | 1 C A |  | DC | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 171 | 35714681 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet the minimum investment requirements (Guidelines require a minimum of [redacted]% of borrower's own funds, all funds are gift funds). | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exeption provided. |  |  | 01/12/2026 | 2 B |  | FL | Investment | Purchase | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 171 | 35714682 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's Primary Residence is not superior to the subject property (Guidelines require borrower's primary residence to be superior to the subject). | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exeption provided. |  |  | 01/12/2026 | 2 B |  | FL | Investment | Purchase | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 173 | 35714684 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Acreage [redacted] (Guideline: Maximum acreage [redacted] for program) | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 174 | 35714686 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date, Previous dated Hazard Insurance is missing in File. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see the previous and current HPI policy attached | 09/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 174 | 35714687 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Prepayment Rider is missing from file. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see the attached final DOT includes all riders | 09/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 174 | 35714688 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted]is less than Guideline representative FICO score of [redacted]. Guideline Requirement not met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | Originator,SitusAMC | Reviewer Comment (2025-09-22): Client elects to waive with compensating factors. |  |  | 09/22/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 174 | 35714689 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow [redacted]day lates in past [redacted]months (Guidelines allow for [redacted]in the past [redacted]months on all credit). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | Originator,SitusAMC | Reviewer Comment (2025-09-22): Client elects to waive with compensating factors. |  |  | 09/22/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 174 | 35714690 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower not meeting the seasoning requirement for cash-out (Guidelines require borrower be on title a minimum of [redacted] months, borrower has been on title sine[redacted]). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Substantial cash reserves. | Originator,SitusAMC | Reviewer Comment (2025-09-22): Client elects to waive with compensating factors. |  |  | 09/22/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 175 | 35714692 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender exception approved for loan amount less than $[redacted]. Approval received and confirm it has required signature, however comp factors not present. Please provide. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Documented Investor/Landlord history > [redacted] years. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-22): Client elects to waive with compensating factors. |  |  | 09/22/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 178 | 35714696 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provided Hazard Insurance coverage is not covering the Loan amount. additional Coverage is Required in file. |  |  |  | Reviewer Comment (2025-11-19): Received Replacement cost estimator. Exception Cleared<br>Buyer Comment (2025-11-17): Uploaded is replacement cost estimator showing reconstruction costs being less than the coverage shown on policy.<br>Reviewer Comment (2025-10-02): Please provide policy page that reflects guaranteed coverage. Guaranteed coverage pays the full cost to rebuild the home and replacement coverage is limited to the dollar amount reflected.<br>Buyer Comment (2025-09-30): Could you please kindly review and/or escalate this discrepancy to your team lead? Please see the first page of the HOI stating that[redacted] replacement cost coverage.<br>Reviewer Comment (2025-09-30): The HOI provided reflects replacement cost coverage only with no extended coverage nor guaranteed coverage.<br>Buyer Comment (2025-09-26): Please see attached HOI and Guidelines screenshot indicating that since the HOI policy shows a guaranteed replacement cost, the hazard insurance would be enough to cover to replacement cost coverage. | 11/19/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 181 | 35714700 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted]days of the Note Date and does not have automatic renewal. |  |  |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): Hazard policy uploaded. | 10/09/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 182 | 35714705 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property exceeds max acreage (Guidelines allow for [redacted] acres, actual acrage is [redacted]acres) | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | MA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 187 | 35714710 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | Reviewer Comment (2025-10-01): Cleared.<br>Buyer Comment (2025-09-29): Appraisal states the market rents are $[redacted], and guidelines required the lesser of active leases or appraisal is to be used in DSCR calculation. This is why $[redacted]was used to make the calculation.<br>Reviewer Comment (2025-09-25): [redacted]leases in file for [redacted]different people for the same property with same terms. One lease amount used in the calculation of the DSCR. | 10/01/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 192 | 35714716 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved borrower for living rent free. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>DSCR on subject property >[redacted].<br>Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-30): Client elects to waive with compensating factors. |  |  | 09/30/2025 | 2 B |  | CT | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 195 | 35714720 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2025-10-07): Cleared.<br>Buyer Comment (2025-10-03): dated certificate of good standing uploaded. | 10/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 197 | 35714723 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property [redacted]acres exceeds max acreage of [redacted] acres. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent Credit Management with FICO [redacted].<br>Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2025-10-01): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 202 | 35714730 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted]days prior to the note date. |  | Assets are not available within [redacted] days prior to the note |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): Per guidelines, "Age of Credit Report<br> All credit documentation, including the credit report, must not be more than <br> [redacted]days old at the time of closing." | 10/10/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 202 | 35714731 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within[redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): See attached page [redacted]item [redacted], policy amount matches loan amount. | 10/10/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 203 | 35714733 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Require two active tradeline within the last [redacted]months allowed per guidelines. |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): Borrower has tradelines within the past [redacted]months. [redacted] closed [redacted], [redacted] remains open, Discover [redacted]remains open, [redacted] closed [redacted], JPMCB Card [redacted]remains open. | 10/10/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 203 | 35714734 |  | Credit | Business Purpose | General | Business Purpose | Open Tradeline requirement not met. | - Borrower has ___ Open Tradelines which is less than the minimum required by guidelines. | Require two open tradeline within the last [redacted]months allowed per guidelines. |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): Borrower has tradelines within the past [redacted]months. CBNA [redacted]closed [redacted], CCB/IMPRCC [redacted]remains open, Discover [redacted]remains open, JPMCB Auto [redacted]closed [redacted], JPMCB Card [redacted]remains open. | 10/10/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 204 | 35714738 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for escrow waiver with a FICO less than [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>[redacted]mortgages [redacted] reported on credit seasoned [redacted] months & [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-02): Client elects to waive with compensating factors. |  |  | 10/02/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 207 | 35714741 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-10-29): Cleared.<br>Buyer Comment (2025-10-28): See uploaded [redacted]and evidence of delivery to borrower.<br>Reviewer Comment (2025-10-09): Missing evidence of receipt of the [redacted]most recent, consecutive months of rent payment as per lease agreement provided.<br>Buyer Comment (2025-10-07): per guidelines, current lease with evidence of [redacted]consecutive months received is allowable for DCR. Current lease for property uploaded. | 10/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 208 | 35714743 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-03): Client elects to waive with compensating factors. |  |  | 10/03/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 209 | 35714744 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-03): Client elects to waive with compensating factors. |  |  | 10/03/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 209 | 35714745 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-03): Client elects to waive with compensating factors. |  |  | 10/03/2025 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 211 | 35714748 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. |  | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent Credit Management with FICO [redacted].<br>Multiple mortgages[redacted] reported on credit seasoned [redacted] months & [redacted] | SitusAMC<br>Originator | Reviewer Comment (2026-01-30): Client elects to waive with compensating factors.<br>Buyer Comment (2026-01-30): [redacted] Exception and retirement account statement uploaded.<br>Reviewer Comment (2026-01-16): Checking account reflects a balance of $[redacted]less $[redacted]= $[redacted]as borrower's own funds.<br>Buyer Comment (2026-01-13): total due from borrower is $[redacted], loan amount is $[redacted]. Therefore the down payment is $[redacted]. there is $[redacted]is gifts, leaving $[redacted]in borrower contribution. $[redacted]%. Seller contributions are excluded. |  |  | 01/30/2026 | 2 B |  | SC | Investment | Purchase | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 211 | 35714749 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The Borrower does not meet the reserve requirement of [redacted]months ([redacted]months verified). |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Reviewer Comment (2026-01-26): Cleared in error.<br>Reviewer Comment (2026-01-15): cleared.<br>Buyer Comment (2026-01-13): [redacted]is bank statement showing balance of $[redacted], LAS Report shows only $[redacted]. This is a verified balance with $[redacted]gift from mother ([redacted]) being vetted. this increases the reserves to [redacted]months. | 01/30/2026 |  |  | 1 A |  | SC | Investment | Purchase | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 212 | 35714751 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-14): uploaded is the [redacted]form. page [redacted]explains that the policy, which is a broad category of policy used in the state of [redacted], states that the loss of use category goes up to [redacted]% of the coverage A dwelling amount, which is more than [redacted]months of rental income.<br>Reviewer Comment (2025-10-09): The rent loss amount is unspecified on the insurance. Guides require at least [redacted] months of gross monthly rents.<br>Buyer Comment (2025-10-07): [redacted], page [redacted], section Additional Coverage outlines [redacted]Dwelling Policy Form - [redacted]Form [redacted]which includes Loss of Use/Fair Rental Value. This is the same as rent loss. | 10/17/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 212 | 35714753 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): [redacted], page [redacted], section Additional Coverage outlines [redacted]Dwelling Policy Form - [redacted]Form [redacted]which includes Loss of Use/Fair Rental Value. This is the same as rent loss.<br>Buyer Comment (2025-10-07): [redacted]is the LLC agreement for [redacted], LLC | 10/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 214 | 35714756 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Updated as per Hazard Insurance documents |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): Updated effective date policy date uploaded. | 11/11/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 215 | 35714758 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Corporate Resolution is not required. Exception Cleared.<br>Buyer Comment (2025-10-17): Per guidelines, corporate resolution documents are only required to document and approve the use of business assets for down payment. The only funds verified in the file were from the borrower's personal account, therefore, corporate resolution is not required. | 10/28/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 215 | 35714759 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-10-29): Cleared.<br>Buyer Comment (2025-10-28): See uploaded snip from guidelines showing that operating agreement is AS APPLICABLE. in the instance where there is a [redacted]%, sole owner, operating agreement is not applicable, as the operating agreement is between several parties in the business.<br>Reviewer Comment (2025-10-28): Operating Agreement is a required document. Exception Remains.<br>Buyer Comment (2025-10-17): Per guidelines, as it pertains to entity documentation, the following may be required; articles of organization ([redacted]), Partnership, and Operating Agreement (IF APPLICABLE). Because the borrower is [redacted]% owner (see uploaded attorney letter) partnership and operating agreements are not applicable. | 10/29/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 217 | 35714762 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum - Prepayment is missing in file. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): [redacted] addendum uploaded. | 10/17/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| [redacted] | [redacted] | [redacted] | 222 | 35714767 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Received Note Addendum - Prepayment document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-10-21): [redacted] addendum for subject property uploaded.<br>Reviewer Comment (2025-10-17): Trailing addendum not for subject property.<br>Buyer Comment (2025-10-15): Prepay addendum uploaded. | 10/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| [redacted] | [redacted] | [redacted] | 227 | 35714773 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | - Open Tradelines: ___ | [redacted]tradelines reporting for [redacted]+ months or [redacted] tradelines reporting for [redacted]+ months is required. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-17): [redacted]shows borrower has two tradelines. page [redacted]of master loan file shows a mortgage with [redacted][redacted] opened [redacted], and Capital [redacted]Bank [redacted]revolving account opened[redacted] [redacted]tradelines opened for [redacted]+months meets requirements. | 10/28/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 231 | 35714778 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is Missing in loan file. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): The borrower is not in a state where an operating agreement is a legal requirement. The guidelines specifically state the the operating agreement is as applicable, this would be an instance in which the document is not applicable. The borrower has documented ownership and access to funds with what has already been provided.<br>Reviewer Comment (2025-10-28): Operating Agreement is a required document. Exception Remains.<br>Buyer Comment (2025-10-17): Business docs uploaded reflect borrower is sole owner, and therefore operating agreement is not applicable. Guidelines state that operating agreement is required if applicable. | 11/28/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 231 | 35714779 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance must be at least [redacted] months gross monthly rent. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): HOI with rent loss uploaded. | 11/28/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 236 | 35714786 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance reflects Zip code [redacted] does not match with Note address [redacted] |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-30): Corrected certified note uploaded. | 11/06/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 236 | 35714787 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow [redacted]day mortgage lates in the past [redacted]months. Compensating factor: Documented investor/landlord history > [redacted] years. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Documented landlord history for [redacted] years. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Home Improvement | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 238 | 35714790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing initial business purpose document for informational purpose only. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-24): Please note, a fully executed and notarized business purpose disclosure was included in the file. The initial is for informational purposes only and not required on a correspondent loan. | 10/28/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 238 | 35714791 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided |  | The loan file is missing a prepayment rider. |  |  |  | Reviewer Comment (2025-11-21): Cleared.<br>Buyer Comment (2025-11-19): To confirm, the loan was purchased with no PPP and hit was applied per lock confirmation. Please remove the PPP Addendum from the loan file add the corrected PCCD and update data for PPP to No.<br>Buyer Comment (2025-11-19): Hello [redacted],<br> The above referenced file is in a Loan complete status however we have identified a document and data discrepancy issues that I hope you can resolve with this communication. The file originally had a [redacted]-month PPP, Note Addendum was delivered with [redacted]months, however we did not have a PPP Rider to the Deed/Mortgage and had conditioned for [redacted]. The seller was unable to obtain a signature from the borrower for the PPP Rider signed so they decided to not proceed with the PPP and it was removed from the file and a corrected PPCD was provided. (attached)<br>To confirm, the loan was purchased with no PPP and hit was applied per lock confirmation. Please remove the PPP Addendum from the loan file add the corrected PCCD and update data for PPP to No.<br>Buyer Comment (2025-11-19): Hello [redacted],<br> The above referenced file is in a Loan complete status however we have identified a document and data discrepancy issues that I hope you can resolve with this communication.<br>The file originally had a [redacted]-month PPP, Note Addendum was delivered with [redacted]months, however we did not have a PPP Rider to the Deed/Mortgage and had conditioned for one. <br>The seller was unable to obtain a signature from the borrower for the PPP Rider signed so they decided to not proceed with the PPP and it was removed from the file and a corrected PPCD was provided. (attached)<br>To confirm, the loan was purchased with no PPP and hit was applied per lock confirmation. Please remove the PPP Addendum from the loan file add the corrected PCCD and update data for PPP to No. | 11/21/2025 |  |  | 1 A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 239 | 35714793 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction has [redacted]units, but the appraisal reflects the number of units as [redacted]on page [redacted]& does not have ADU, please provide corrected appraisal reflecting correct no of units as [redacted]. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-11-04): Corrected appraisal uploaded. | 11/06/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 240 | 35714795 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | [redacted]time investor with DSCR [redacted]. Maximum LTV is [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 240 | 35714796 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | [redacted]time investor with DSCR [redacted] Maximum LTV is [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 240 | 35714797 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted]payment letter and final CD show monthly hazard payment of $[redacted]but hazard policy in file only verifies monthly payment of $[redacted]. Please provided additional premium policy. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): Supplemental policy attached. | 11/06/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 243 | 35714801 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing business purpose document for informational purpose only. |  |  |  | Reviewer Comment (2025-10-29): cleared.<br>Reviewer Comment (2025-10-28): Page [redacted]of the guides states that the initial disclosure is required for <br> informational purposes only on all loans.<br>Buyer Comment (2025-10-24): Please note, a fully executed and notarized business purpose disclosure was included in the file. The initial is for informational purposes only and not required on a correspondent loan. | 10/29/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 243 | 35714802 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Closing Protection Letter is not required. Exception Cleared.<br>Buyer Comment (2025-10-24): Loan is a correspondent loan and CPL is not required. | 10/28/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 244 | 35714804 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Exception with Compensating Factors. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent credit management with FICO [redacted].<br>Total monthly payment savings of $[redacted]or more per month. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 244 | 35714805 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender Exception with Compensating Factors. | The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent credit management with FICO [redacted].<br>Total monthly payment savings of $[redacted]or more per month. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 246 | 35714808 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing initial business purpose disclosure for informational purpose only. |  |  |  | Reviewer Comment (2025-10-29): Cleared.<br>Reviewer Comment (2025-10-28): Page [redacted]of the guides require an initial business purpose certificate on all loans.<br>Buyer Comment (2025-10-24): Please note, a fully executed and notarized business purpose disclosure was included in the file. The initial is for informational purposes only and not required on a correspondent loan. | 10/29/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 247 | 35714810 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | Missing Initial purchase HUD/CD in file. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): Attached to [redacted]. Please clarify the request if this is not sufficient. | 11/06/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 247 | 35714811 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Missing evidence of source of funds for the initial purchase. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): See attached. Please clarify the request if this is not sufficient. | 11/06/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 247 | 35714812 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property sq footage [redacted]. Compensating factor [redacted]FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by .[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent credit management with FICO [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 247 | 35714813 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Delayed Financing: Documentation in file indicates an encumbrance on the property, which does not meet guideline requirements. |  | Missing HUD/CD for the initial purchase. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): Attached to [redacted]. Please clarify the request if this is not sufficient. | 11/06/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 248 | 35714814 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing in Loan file. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-11-04): [redacted]Patriot Act disclosure uploaded. Please note, business purpose disclosure signed and notarized included with initial package. | 11/06/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 248 | 35714815 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | Verification of Identification is missing in Loan file. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-11-04): [redacted]Patriot Act disclosure uploaded. Please note, business purpose disclosure signed and notarized included with initial package. | 11/06/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 248 | 35714817 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  | Verification of Borrower's identity is missing in Loan file. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-11-04): [redacted]Patriot Act disclosure uploaded. | 11/06/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 248 | 35714818 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing initial business purpose disclosure for informational purpose only. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): This is a correspondent loan; the initial disclosure is not required. | 11/06/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 248 | 35714819 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): This is not required on correspondent loans. | 11/06/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 249 | 35714821 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow Visa [redacted]. Per guidelines [redacted]Visa classification is ineligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Lender Exception with Compensating Factors. | Originator,SitusAMC | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 251 | 35714824 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided in this loan file |  |  |  | Reviewer Comment (2025-10-28): CPA letter is already in file stating borrower is [redacted]% of business entity, Exception cleared.<br>Buyer Comment (2025-10-24): [redacted]is letter confirming borrower is [redacted]% owner of business. Guidelines state that documents such as operating agreement, partnership and articles of organization are needed as applicable. Since borrower is sole owner, operating agreement and partnership documents are not applicable. | 10/28/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 251 | 35714825 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution not provided missing in this loan file |  |  |  | Reviewer Comment (2025-10-28): Corporate Resolution is not required. Exception Cleared.<br>Buyer Comment (2025-10-24): [redacted] state that corporate resolution documents are only needed to verify business assets used for the transaction. However this is a cash-out refi and no assets were required to be verified from the borrower. Therefore, the corporate resolution is not applicable. | 10/28/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 251 | 35714826 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow [redacted]financed properties. Guidelines allow [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by .[redacted].<br>Miscellaneous | DSCR on subject property >[redacted].<br>Documented investor/landlord history > [redacted]years. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 252 | 35714828 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing initial business purpose document for informational purpose only. |  |  |  | Reviewer Comment (2025-10-29): Cleared.<br>Reviewer Comment (2025-10-28): Page [redacted]of the guides require an initial business purpose certificate on all loans.<br>Buyer Comment (2025-10-24): Please note, a fully executed and notarized business purpose disclosure was included in the file. The initial is for informational purposes only and not required on a correspondent loan. | 10/29/2025 |  |  | 1 C A |  | NH | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 253 | 35714830 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement for borrowing entity. |  |  |  | Reviewer Comment (2025-10-29): Cleared.<br>Buyer Comment (2025-10-28): See uploaded snip from guidelines showing that operating agreement is AS APPLICABLE. in the instance where there is a [redacted]%, sole owner, operating agreement is not applicable, as the operating agreement is between several parties in the business.<br>Reviewer Comment (2025-10-28): Operating Agreement is a required document. Exception Remains.<br>Buyer Comment (2025-10-24): [redacted]is letter confirming borrower is [redacted]% owner of business. Guidelines state that documents such as operating agreement, partnership and articles of organization are needed as applicable. Since borrower is sole owner, operating agreement and partnership documents are not applicable. | 10/29/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 253 | 35714831 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow [redacted]financed properties. Guidelines allow for [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous | Documented investor/landlord history [redacted]years. | SitusAMC<br>Originator | Reviewer Comment (2025-10-22): Lender Exception with Compensating Factors. |  |  | 10/22/2025 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 254 | 35714832 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Credit report reflects Collection account with unpaid balance $[redacted] | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous | Borrower has owned the subject property for at least [redacted]years.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2025-12-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-12-03): guidelines require only [redacted]CAT A and [redacted]CAT B. These have been provided on my previous upload - [redacted]<br>Reviewer Comment (2025-11-28): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-11-12): Exception approved for collection account. Approval uploaded. |  |  | 01/16/2026 | 2 B |  | CO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 257 | 35714836 |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Initial Appraisal has [redacted]bedroom but recent appraisal has [redacted]bedroom with dining converted, due to this property value was increased. |  |  |  | Reviewer Comment (2025-11-19): Cleared.<br>Buyer Comment (2025-11-12): Borrower completed renovations, new full appraisal was completed. The new appraisal is the most recent, up-to-date value and used for qualifying. The original appraisal was retained for record keeping. | 11/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 258 | 35714838 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a [redacted]time home buyer and ineligible per guidelines. |  | Borrower is [redacted]Time [redacted]Buyer. |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): There is not mention in the guidelines that first time homebuyers are ineligible. There are additional restrictions for first time INVESTORS, and the file meets these restrictions. However, no mention of first time BUYERS. | 11/11/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 258 | 35714839 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Calculated borrower's own funds of [redacted]% is less than Guideline required borrower's own funds of [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent Credit Management with FICO [redacted].<br>Conservative or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2025-11-11): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-07): [redacted]Exception Approval Uploaded. |  |  | 01/16/2026 | 2 C B |  | TX | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 273 | 35714856 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower's do not meet the [redacted]month reserve requirement. Verified [redacted]months. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Borrower's own funds used for Down payment & closing([redacted]).<br>DSCR on subject property >[redacted]. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-27): Client elects to waive with compensating factors.<br>Reviewer Comment (2026-01-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than [redacted]PITIA months reserves of [redacted].<br>Reviewer Comment (2026-01-27): Approval uploaded missing signature.<br>Reviewer Comment (2026-01-22): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: Calculated PITIA months reserves of[redacted] is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2026-01-20): Approval summary showing [redacted]exception for minimum reserves. |  |  | 01/27/2026 | 2 B |  | NJ | Investment | Purchase | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 276 | 35714859 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level [redacted]valuation supports the value. There is a lower level [redacted]product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-11-07): Accept |  |  | 11/07/2025 | 2 A B |  | IN | Investment | Purchase | C B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 276 | 35714861 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent Credit Management with FICO [redacted].<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-11-11): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-07): Uploaded updated Approval summary with newly added and approved exception for borrower's funds. |  |  | 01/16/2026 | 2 C B |  | IN | Investment | Purchase | C B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 278 | 35714864 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  | Missing unexpired visas for both borrowers. |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): The loan is qualified as ITIN. Matrix shows requirements for borrowers using ITIN as follows. Unexpired government ID, be that driver's license, passport, visa, etc. ([redacted]), unexpired ITIN ([redacted], [redacted]), US credit report. Therefore, unexpired visa is not required, as documents show ITIN requirements are met. | 11/11/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 279 | 35714866 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard insurance policy effective date is [redacted] but loan funded on [redacted]. |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): Policy dec with proper effective date uploaded. | 11/11/2025 |  |  | 1 C A |  | NM | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 279 | 35714867 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Calculated borrower's own funds of [redacted]% is less than Guideline required borrower's own funds of [redacted]%. |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): Guidelines state that business assets are acceptable source of funds for borrower contribution if proven that borrower is at least [redacted]% owner and has documented access to funds. Uploaded is CPA letter confirming borrower is [redacted]% owner as well as documents showing borrower's [redacted]% access to funds. | 11/11/2025 |  |  | 1 C A |  | NM | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 280 | 35714869 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Calculated borrower's own funds of [redacted] is less than Guideline required borrower's own funds of [redacted]. |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): [redacted]is proof borrower is [redacted]% owner of business. Guidelines state that business assets are acceptable source of funds and contribution if the business funds are only used for down payment and closing costs, and the borrower is proven to be at least [redacted]% owner of business. | 11/11/2025 |  |  | 1 C A |  | MN | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 284 | 35714874 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers do not meet the seasoning of BK (Guidelines require [redacted]years, Chapter [redacted] discharged [redacted], actual seasoning is [redacted]months) | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Documented Investor/Landlord history greater than [redacted]years.<br>Low default risk with equity, LTV lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 289 | 35714880 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file |  |  |  | Reviewer Comment (2025-11-19): Corporate Resolution is not required. Exception Cleared.<br>Buyer Comment (2025-11-12): Guidelines state corporate resolution is required to show access to funds in business accounts, OR CPA letter. since there is a letter showing borrower is [redacted]% owner of business [redacted], guideline requirement is met. | 11/19/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 289 | 35714881 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in the file |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-20): The borrower is not in a state where an operating agreement is a legal requirement. The guidelines specifically state the the operating agreement is as applicable, this would be an instance in which the document is not applicable. The borrower has documented ownership and access to funds with what has already been provided. If there is any further concern, please escalate higher.<br>Reviewer Comment (2025-11-19): [redacted]reflects borrower as [redacted]% ownership however require operating agreement as per guideline. Exception Remains.<br>Buyer Comment (2025-11-12): An operating agreement is made between multiple parties in the company, however borrower is sole owner [redacted], and therefore operating agreement is not applicable. guidelines state [redacted]is required as applicable. | 11/20/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 289 | 35714882 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow [redacted]financed properties (Guidelines allow for [redacted], this is [redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>[redacted]Borrower/Investor whose experience exceeds [redacted]completed projects.<br>Miscellaneous | Substanial Cash Reserves<br>Experienced landord with [redacted] investment properties & mortgages [redacted].<br>Documented Investor/Landlord history [redacted]years. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 293 | 35714887 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception- Financed properties exceed maximum of [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 296 | 35714892 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unverifiable Housing (Guidelines require verification of borrower's primary residence, borrower is unable to document his primary residence) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial Cash Reserves<br>Excellent Credit Management with FICO [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | NY | Investment | Purchase | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 297 | 35714894 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | First time investor living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Low default risk with substantial equity Position - [redacted]% LTV lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-14): Client elects to waive with compensating factors. |  |  | 11/14/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 297 | 35714895 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | [redacted]appraisal required when acquired [redacted]months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Low default risk with substantial equity Position - [redacted]% LTV lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-14): Client elects to waive with compensating factors. |  |  | 11/14/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 299 | 35714898 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Override. Loan disbursed on[redacted]. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-18): loan disbursed [redacted] per funder CD, same date as insurance effective date on policy in loan file [redacted] | 11/20/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 299 | 35714899 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for LTV/CLTV exceeding max allowed of [redacted]% for DSCR ratio between [redacted]and [redacted]. Compensating factors: substantial cash reserves, excellent credit management with FICO [redacted]+. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-14): Client elects to waive with compensating factors. |  |  | 11/14/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 299 | 35714900 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Lender approved exception for LTV/CLTV exceeding max allowed of [redacted]% for DSCR ratio between [redacted]and [redacted]. Compensating factors: substantial cash reserves, excellent credit management with FICO [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-14): Client elects to waive with compensating factors. |  |  | 11/14/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 306 | 35714908 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Effective date of Insurance Dec page is after the Note date and disbursement date of [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): HOI with effective date before closing uploaded. | 11/25/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 307 | 35714911 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-11-18): Approve |  |  | 11/18/2025 | 2 A B |  | SC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 309 | 35714914 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-03): Accept |  |  | 12/03/2025 | 2 A B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 312 | 35714918 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-08): Approve |  |  | 12/08/2025 | 2 A B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 312 | 35714919 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Lease Agreement is missing. |  |  |  | Reviewer Comment (2025-12-10): LOE provided, fits unleased guidelines. Exception cleared.<br>Buyer Comment (2025-12-08): Please see LOE from borrower stating no lease. LTV meets unleased requirement. | 12/10/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 313 | 35714921 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender approved exception for loan amount of $[redacted]being below the guideline minimum of $[redacted]. Compensating factors: DSCR > [redacted] FICO [redacted]+. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | DSCR on subject property >[redacted].<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-21): Client elects to waive with compensating factors. |  |  | 11/21/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 320 | 35714929 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] [redacted] Financed Properties (Guideline: [redacted][redacted] properties is the maximum). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+ | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 326 | 35714936 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | The property is listed for sale. LOX is required for property. Listed subject property must be taken off the market on or before application date. |  |  |  | Reviewer Comment (2025-12-10): No additional listings after purchase of subject property, exception cleared.<br>Buyer Comment (2025-12-08): Please note appraisal marked subject was listed w/in the last [redacted]months and noted the listing date[redacted] with subject acquisition date [redacted]. No additional listing date was noted on the report after purchase. Please review and advise if this condition can be waived. Thank you | 12/10/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 328 | 35714939 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary residence is not superior to the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-01): Client elects to waive with compensating factors. |  |  | 12/01/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 329 | 35714941 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Unverifiable housing history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Substantial cash reserves.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-01): Client elects to waive with compensating factors. |  |  | 12/01/2025 | 2 B |  | CT | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 331 | 35714945 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level [redacted]valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Clear [redacted]is Highest Level of [redacted]Valuation Supports the Value |  |  |  | Buyer Comment (2025-12-08): Accept |  |  | 12/08/2025 | 2 A B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 333 | 35714948 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level [redacted]valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-08): Accept |  |  | 12/08/2025 | 2 A B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 339 | 35714956 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[redacted]is less than Guideline minimum loan amount of $[redacted]. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-01): Client elects to waive with compensating factors. |  |  | 12/01/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 340 | 35714958 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided |  | [redacted]Rent Comparison Schedule is missing in the file. |  |  |  | Reviewer Comment (2026-01-20): Exception cleared. Form [redacted]provided.<br>Buyer Comment (2026-01-15): Updated NAQ and appraisal with rent schedule attached. | 01/20/2026 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 340 | 35714959 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Rent Comparable Schedule is missing in the file. |  |  |  | Reviewer Comment (2026-01-20): Exception cleared. Debt Service Coverage Ratio is [redacted]<br>Buyer Comment (2026-01-15): [redacted] | 01/20/2026 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 341 | 35714960 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided |  | [redacted] Family rider is missing from the file. |  |  |  | Reviewer Comment (2023-10-11): [redacted] Family rider provided. Exception cleared<br>Buyer Comment (2023-10-03): Deed of Trust with Riders | 10/11/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 341 | 35714961 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - ARM not provided |  | ARM rider is missing from the file. |  |  |  | Reviewer Comment (2023-10-11): ARM-Rider received. Exception cleared<br>Buyer Comment (2023-10-03): Deed of Trust with Riders | 10/11/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 341 | 35714962 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing from the file. |  |  |  | Reviewer Comment (2023-10-11): [redacted]Patriot Act document received. Exception cleared<br>Buyer Comment (2023-10-03): [redacted]Patriot Act uploaded | 10/11/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 341 | 35714963 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2023-10-16): Received Title preliminary report and associated the same. Exception cleared.<br>Buyer Comment (2023-10-03): Title policy uploaded | 10/16/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 341 | 35714964 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the preliminary or final title policy. |  |  |  | Reviewer Comment (2023-10-16): Received Preliminary title report and associated the same. Exception cleared.<br>Buyer Comment (2023-10-03): title report uploaded | 10/16/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 341 | 35714965 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment Addendum to the note was not provided. |  |  |  | Reviewer Comment (2023-10-16): Received note addendum - prepayment penalty and associated of the same. Exception cleared.<br>Buyer Comment (2023-10-03): Prepayment addendum to note uploaded | 10/16/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| [redacted] | [redacted] | [redacted] | 343 | 35714968 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]ompliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-09-08): Properties owned free and clear | 09/08/2022 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 343 | 35714969 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Abstract/Title Search Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-07): [redacted]upon further review received attestation letter hence no further action required.<br>Buyer Comment (2022-09-06): Please see attestation for fee name | 09/07/2022 |  |  | 1 C A |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 343 | 35714971 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2022-09-08): Provided<br>Buyer Comment (2022-09-06): [redacted]-C, income worksheet and bank statements | 09/08/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 343 | 35714972 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing insurance verification on all investment properties. |  |  |  | Reviewer Comment (2022-09-08): Properties owned free and clear | 09/08/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714973 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of the purchase agreement. |  |  |  | Reviewer Comment (2023-06-28): Received<br>Buyer Comment (2023-06-23): Please see Purchase Contract attached | 06/28/2023 |  |  | 1 D A |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714975 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2023-06-28): Received final title policy.<br>Buyer Comment (2023-06-23): Please see attached | 06/28/2023 |  |  | 1 C A |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted]Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted]. | [redacted]percent fee tolerance violation for lender credits in the amount of $[redacted]which is less than the amount previously disclosed of $-[redacted]with no cure provided to the borrower. |  |  |  | Reviewer Comment (2023-07-05): [redacted] received additional information and changed circumstance on exception pricing adjustment<br>Buyer Comment (2023-06-30): Please see attached documents which includes CD dated on [redacted] page # [redacted]a Lender Credit for the amount of $[redacted]then the next CD dated on[redacted] shows a Lender credit for $[redacted]. the amount was applied to the file due to an exception was approved see the UW Maus attached too.<br>Reviewer Comment (2023-06-27): No documentation was located in the loan file that would explain the[redacted] change in lender credit. Cure is required.<br>Buyer Comment (2023-06-23): Lender Credit was applied to the file due to a UW exception was approved. Please see CDs for[redacted] and [redacted] and UW MAUS attached | 07/05/2023 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 344 | 35714978 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]percent fee tolerance violation for discount points in the amount of $[redacted]with no cure provided to the borrower. |  |  |  | Reviewer Comment (2023-07-18): [redacted]received valid supporting documents<br>Buyer Comment (2023-07-13): Please see attached. Documents includes Screenshots for Disclosure History and Rate Lock, also Rate Lock showing Discount points increased.<br>Reviewer Comment (2023-07-11): [redacted] require valid COC document for Loan discount points addition with sufficient information why the fee was added or cure is required. Please provide valid COC or cure<br>Buyer Comment (2023-07-10): The UW exception was approved on [redacted] see attached screenshot showing date that date that was requested and then approved<br>Reviewer Comment (2023-06-26): [redacted] received UW exception details with CD dated [redacted]. But, in file does not contain valid Changed Circumstance for the same in order to re-baseline this exception. In order to determine 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 (2023-06-23): The Discount Points increased due to UW exception was approved. Please see UW [redacted] proof of deliver and CD dated for [redacted] attached | 07/18/2023 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 344 | 35714979 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]percent fee tolerance violation for loan origination compensation in the amount of $[redacted]exceeds with no cure provided to the borrower. |  |  |  | Reviewer Comment (2023-06-26): [redacted]received a valid Changed Circumstance on [redacted]<br>Buyer Comment (2023-06-23): No Cure need. Brokers Comp were increased due to loan amount changed. Please see LEs with COC and proof of deliver attached | 06/26/2023 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 344 | 35714981 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are [redacted]individuals on the bank statements, however there is only one borrower on the loan. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | [redacted]plus years on job.<br>Lender Exception with Compensating Factor.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-06-07): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 06/07/2023 | 2 B |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714982 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Loan file missing bank statement ending [redacted] for account [redacted]. |  |  |  | Reviewer Comment (2023-06-28): Received noted bank statement.<br>Buyer Comment (2023-06-24): Please see Bank Statement attached for [redacted]. | 06/28/2023 |  |  | 1 C A |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714983 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Loan file missing [redacted] bank statement for account [redacted]and [redacted]party verification of borrower's percentage of ownership. | Borrower has been employed in the same industry for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]plus years on job.<br>Low housing ratio of [redacted]% or less.<br>Lender Exception with Compensating Factor. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-09-06): Lender Exception with Compensating Factor.<br>Reviewer Comment (2023-07-28): Documentation provided on name change, however being a registered agent doesn't entitle the registered agent to any ownership or right to participate in the company. Third party verification of length of time the borrower has been an actual owner.<br>Buyer Comment (2023-07-25): Please see attached documents. By looking The Business Corporation Annual Report looks like the changes for the new Business name occurred between [redacted]and or [redacted]due the annual report for [redacted]shows a new company name under our borrowers name. Evidence that bwr has been in business for more than [redacted]years.<br>Reviewer Comment (2023-07-25): Loan file still missing evidence borrower has been self employed for [redacted]years. Business had prior name. Unable to determine when name was changed and when borrower became owner. Third Party verification of [redacted]years of self employment required.<br>Buyer Comment (2023-07-13): This file was approved for an exception allowing [redacted]individuals on bank statements used for income with one individual on our loan. Please see attached non agency loan approval summary<br>Reviewer Comment (2023-07-07): Unable to clear. Guidelines indicate for personal bank accounts, all parties on the bank account must be included as borrowers on the loan.<br>Buyer Comment (2023-06-30): Please see guidelines attached. This file is a Personal Bank Statement Documentation. Verification of ownership is not required.<br>Reviewer Comment (2023-06-28): Received the missing statement but still missing the noted third party verification.<br>Reviewer Comment (2023-06-28): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Account Statements - Personal, [redacted]Party Verification<br>Buyer Comment (2023-06-24): Please see Bank Statement attached for [redacted]. |  |  | 09/06/2023 | 2 C B |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714984 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | Per Guidelines, Borrower minimum investment is:<br> Primary Residence - [redacted]% own funds, however the borrower only contributed [redacted]%. |  |  |  | Reviewer Comment (2023-08-02): Invoice provided with evidence of bank statement.<br>Buyer Comment (2023-08-01): Please see attached Bank statement, CD and Invoice attached. These documents show that bwr paid from his own funds the appraisal report. the balance on First Citizens Bank may to be increased his contributions by $[redacted]<br>Reviewer Comment (2023-07-25): Assets in file reflect $[redacted]of borrower own funds (not gift). Required borrower own funds are $[redacted], based on the purchase price. additional personal borrower funds required to meet contribution requirement,<br>Buyer Comment (2023-07-13): This file was approved for an exception allowing [redacted]individuals on bank statements used for income with one individual on our loan. Please see attached non agency loan approval summary<br>Reviewer Comment (2023-06-28): This finding is not tied to the missing bank statement. The borrower does not meet the min. required contribution from their own funds. Finding remains open.<br>Buyer Comment (2023-06-24): Is this exception has a relation with missing Bank statements from [redacted]? Please advise. Thanks | 08/02/2023 |  |  | 1 C A |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714985 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing [redacted] bank statement for account [redacted]and [redacted]party verification of borrower's percentage of ownership. | Borrower has been employed in the same industry for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]plus years on job.<br>Low housing ratio of [redacted]% or less.<br>Lender Exception with Compensating Factor. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-09-06): Lender Exception with Compensating Factor.<br>Buyer Comment (2023-08-31): Post-close exception approved to waive self-employment requirement for this loan type. Personal bank statements used to qualify, no associated risk, several compensating factors available. Approval attached.<br>Reviewer Comment (2023-07-28): Documentation provided on name change, however being a registered agent doesn't entitle the registered agent to any ownership or right to participate in the company. Third party verification of length of time the borrower has been an actual owner.<br>Buyer Comment (2023-07-25): Please see attached documents. By looking The Business Corporation Annual Report looks like the changes for the new Business name occurred between [redacted]and or [redacted]due the annual report for [redacted]shows a new company name under our borrowers name. Evidence that bwr has been in business for more than [redacted]years.<br>Reviewer Comment (2023-07-25): Loan file still missing evidence borrower has been self employed for [redacted]years. Business had prior name. Unable to determine when name was changed and when borrower became owner. Third Party verification of [redacted]years of self employment required. Guidelines state : Self-employed borrowers are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following<br> restrictions apply to both documentation types:<br> Ÿ Borrowers must be self-employed for at least [redacted]years.<br> Ÿ Business must be in existence for at least [redacted]years.<br>Buyer Comment (2023-07-13): [redacted]party verification is not need due to funds used are coming from personal bank acct. the business statements on file are there to show source from transactions on personal bank acct.. Please clear exception.<br>Reviewer Comment (2023-06-28): Received missing bank statement but still missing the noted third party verification.<br>Buyer Comment (2023-06-24): Please see Bank Statement attached for [redacted]. |  |  | 09/06/2023 | 2 C B |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714986 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing[redacted] bank statement for account [redacted]and third party verification of borrower's percentage of ownership, as well as the borrower required contribution not being met. |  |  |  | Reviewer Comment (2023-09-06): Lender Exception with Compensating Factor.<br>Reviewer Comment (2023-07-28): Missing borrower contribution. Documentation provided on name change, however being a registered agent doesn't entitle the registered agent to any ownership or right to participate in the company. Third party verification of length of time the borrower has been an actual owner.<br>Buyer Comment (2023-07-25): Please see attached documents. By looking The Business Corporation Annual Report looks like the changes for the new Business name occurred between [redacted]and or [redacted]due the annual report for [redacted]shows a new company name under our borrowers name. Evidence that bwr has been in business for more than [redacted]years.<br>Reviewer Comment (2023-07-25): Short borrower funds for required contribution and loan file still missing evidence borrower has been self employed for [redacted] years. Business had prior name. Unable to determine when name was changed and when borrower became owner. Third Party verification of [redacted]years of self employment required. Guidelines state : Self-employed borrowers are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following<br> restrictions apply to both documentation types:<br> Ÿ Borrowers must be self-employed for at least [redacted]years.<br> Ÿ Business must be in existence for at least [redacted]years.<br>Buyer Comment (2023-07-13): This file was approved for an exception allowing [redacted]individuals on bank statements used for income with one individual on our loan. Please see attached non agency loan approval summary<br>Reviewer Comment (2023-06-28): Received missing bank statement but still missing the third party verification and the borrower does not meet the required contribution from own funds. Finding remains open.<br>Buyer Comment (2023-06-24): Please see Bank Statement attached for [redacted]. | 09/06/2023 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 344 | 35714987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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 file missing [redacted] bank statement for account [redacted]and third party verification of borrower's percentage of ownership. |  |  |  | Reviewer Comment (2023-09-06): Lender Exception with Compensating Factor.<br>Reviewer Comment (2023-07-28): Documentation provided on name change, however being a registered agent doesn't entitle the registered agent to any ownership or right to participate in the company. Third party verification of length of time the borrower has been an actual owner.<br>Buyer Comment (2023-07-25): Please see attached documents. By looking The Business Corporation Annual Report looks like the changes for the new Business name occurred between [redacted]and or [redacted]due the annual report for [redacted]shows a new company name under our borrowers name. Evidence that bwr has been in business for more than [redacted]years.<br>Reviewer Comment (2023-07-25): Short borrower funds for required contribution and loan file still missing evidence borrower has been self employed for [redacted]years. Business had prior name. Unable to determine when name was changed and when borrower became owner. Third Party verification of [redacted]years of self employment required. Guidelines state : Self-employed borrowers are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following<br> restrictions apply to both documentation types:<br> Ÿ Borrowers must be self-employed for at least [redacted]years.<br> Ÿ Business must be in existence for at least [redacted]years.<br>Buyer Comment (2023-07-13): This file was approved for an exception allowing [redacted]individuals on bank statements used for income with one individual on our loan. Please see attached non agency loan approval summary. [redacted]party vrf is not need since funds to closed are coming from personal assets. see attached<br>Reviewer Comment (2023-06-28): Received missing bank statement but still missing the noted third party verification.<br>Buyer Comment (2023-06-24): Please see Bank Statement attached for [redacted]. | 09/06/2023 |  |  | 1 C A |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank[redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Investor Guidelines Violation caused by missing [redacted] bank statement for account [redacted]and third party verification of borrower's percentage of ownership, as well as the borrower required contribution not being met. |  |  |  | Reviewer Comment (2023-09-06): Lender Exception with Compensating Factor.<br>Reviewer Comment (2023-07-28): Missing borrower contribution. Documentation provided on name change, however being a registered agent doesn't entitle the registered agent to any ownership or right to participate in the company. Third party verification of length of time the borrower has been an actual owner.<br>Buyer Comment (2023-07-25): Please see attached documents. By looking The Business Corporation Annual Report looks like the changes for the new Business name occurred between [redacted]and or [redacted]due the annual report for [redacted]shows a new company name under our borrowers name. Evidence that bwr has been in business for more than [redacted]years.<br>Reviewer Comment (2023-07-25): Short borrower funds for required contribution and loan file still missing evidence borrower has been self employed for [redacted]years. Business had prior name. Unable to determine when name was changed and when borrower became owner. Third Party verification of [redacted]years of self employment required. Guidelines state : Self-employed borrowers are eligible for either Personal Bank Statement Documentation or Business Bank Statement Documentation. The following<br> restrictions apply to both documentation types:<br> Ÿ Borrowers must be self-employed for at least [redacted]years.<br> Ÿ Business must be in existence for at least [redacted]years.<br>Buyer Comment (2023-07-13): This file was approved for an exception allowing [redacted]individuals on bank statements used for income with one individual on our loan. Please see attached non agency loan approval summary<br>Reviewer Comment (2023-06-28): Received missing bank statement but still missing the third party verification and the borrower does not meet the required contribution from own funds. Finding remains open.<br>Buyer Comment (2023-06-24): Please see Bank Statement attached for [redacted]. | 09/06/2023 |  |  | 1 C A |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 344 | 35714990 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require borrower to be self employed for the bank statement program. The [redacted]states the borrower owns less than [redacted]%, the guidelines and industry standards define self employment as [redacted]% or greater. | Borrower has been employed in the same industry for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]plus years on job.<br>Low housing ratio of [redacted]% or less.<br>Lender Exception with Compensating Factor. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-09-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-09-13): A post closing exception has been approved waiving the self-employment requirement for this case. No associated risk, as the bank statements used to qualify are personal statements, not business. |  |  | 09/18/2023 | 2 B |  | NC | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 345 | 35714992 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on [redacted]/Final Closing Disclosure. | The starting Escrow Balance on the final Closing Disclosure does not match the Initial Escrow Account Disclosure statement. |  |  |  | Buyer Comment (2024-01-17): Approved |  |  | 01/17/2024 | 2 B |  | TX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 345 | 35714994 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this increase. |  |  |  | Reviewer Comment (2024-02-04): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2024-02-01): PCCD and payment history reflecting PR uploaded. |  | 02/04/2024 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 345 | 35714996 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | A copy of check [redacted] should have been obtained to verify the [redacted] check paid on [redacted] was in fact for the Earnest Money Deposit. |  |  |  | Reviewer Comment (2024-01-11): Deposit receipt provided exception clear.<br>Buyer Comment (2024-01-10): Evidence escrow received check #[redacted]in the amount of $[redacted]as the EMD uploaded. | 01/11/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 345 | 35714997 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | A copy of check [redacted] should have been obtained to verify the [redacted] check paid on [redacted] was in fact for the Earnest Money Deposit. |  |  |  | Reviewer Comment (2024-01-11): Deposit receipt provided exception clear.<br>Buyer Comment (2024-01-10): Evidence escrow received check #[redacted]in the amount of $[redacted]as the EMD uploaded. | 01/11/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 345 | 35714999 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Subject property does not meet lender guidelines as it is in a rural location. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2023-12-26): Lender Exception with Compensating Factors. |  |  | 12/26/2023 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 345 | 35715002 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing acceptable [redacted]Party Verification of [redacted], Copy of EMD check and subject property does not meet guidelines since it is in a rural location, causing the loan to waterfall to Non-QM/ATR requirements. This results in a Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2024-02-16): System cleared.<br>Buyer Comment (2024-02-08): [redacted] approval to waive VVOE prior to closing and for rural property, also uploaded verified EMD funds | 02/16/2024 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 345 | 35715003 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Missing acceptable [redacted]Party Verification of Self-Employment, Copy of EMD check and subject property does not meet guidelines since it is in a rural location, causing the loan to waterfall to Non-QM/ATR requirements. |  |  |  | Reviewer Comment (2024-02-16): System cleared.<br>Buyer Comment (2024-02-08): [redacted] approval to waive VVOE prior to closing and for rural property, also uploaded verified EMD funds | 02/16/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 345 | 35715004 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing acceptable [redacted]Party Verification of [redacted], Copy of EMD check and subject property does not meet guidelines since it is in a rural location, causing the loan to waterfall to Non-QM/ATR requirements. |  |  |  | Reviewer Comment (2024-02-16): System cleared.<br>Buyer Comment (2024-02-08): [redacted] approval to waive VVOE prior to closing and EMD funds verified | 02/16/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 345 | 35715005 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property does not meet lender guidelines as it is in a rural location. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-02-16): Lender Exception with Compensating Factors. |  |  | 02/16/2024 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 346 | 35715007 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2024-04-16): CDAs are not sent to borrowers.<br>Reviewer Comment (2024-04-15): Value on the [redacted]appraisal is lower than the appraised value which would require delivery of the report to the Borrower [redacted]business days prior to consummation.<br>Buyer Comment (2024-04-11): Can you please clarify? The original appraisal was completed [redacted]and was transferred to [redacted]. A Collateral Desktop Analysis was completed on[redacted] (see page [redacted], it was completed at[redacted]PM so the delivery date was marked as [redacted] but it was actually completed the day prior), but this would not typically require delivery to the borrower. |  |  | 04/16/2024 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 346 | 35715011 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Appraisal is not in the name of the lender on the Note. |  |  |  | Reviewer Comment (2024-04-15): Transfer letter provided, system cleared.<br>Buyer Comment (2024-04-11): The appraisal was transferred to [redacted], transfer letter attached. | 04/15/2024 |  |  | 1 B A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 346 | 35715012 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  |  |  |  | Reviewer Comment (2024-04-15): Exception cleared.<br>Buyer Comment (2024-04-11): Guidelines for flexible advantage plus state only "All bankruptcies must be discharged or dismissed for a minimum of [redacted]months from closing date." The credit report and credit soft pull show the bankruptcy was discharged as of [redacted][redacted], which is more than [redacted]months prior to the closing date. Otherwise, guidelines require bankruptcy documents when a property was surrendered in connection with the bankruptcy but that is not the case here. | 04/15/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 347 | 35715016 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-07-16): non material |  |  | 07/16/2024 | 1 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 348 | 35715017 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] is missing evidence of receipt. |  |  |  | Reviewer Comment (2024-09-19): Appraisal Delivery proof provided and updated Exception cleared<br>Buyer Comment (2024-09-17): Appraisal proof of delivery uploaded. | 09/19/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 348 | 35715018 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-09-19): Appraisal Delivery proof provided and updated Exception cleared<br>Buyer Comment (2024-09-17): Appraisal proof of delivery uploaded. | 09/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 348 | 35715019 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] is missing evidence of receipt. |  |  |  | Reviewer Comment (2024-09-19): Appraisal Delivery proof provided and updated Exception cleared<br>Buyer Comment (2024-09-17): Appraisal proof of delivery uploaded. | 09/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 348 | 35715021 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on[redacted]/Final Closing Disclosure. | Initial escrow account statement does not match charges on [redacted]/Final Closing Disclosure. |  |  |  | Buyer Comment (2024-09-16): Approve |  |  | 09/16/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 349 | 35715026 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  | Buyer Comment (2024-10-11): Approve<br>Reviewer Comment (2024-10-10): Document provided was dated [redacted]date of closing.<br>Buyer Comment (2024-10-04): FACTA disclosure uploaded. |  |  | 10/11/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 349 | 35715027 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-10-07): Appraisal delivery receipt received and updated exception cleared<br>Buyer Comment (2024-10-04): Appraisal proof of delivery uploaded. | 10/07/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 349 | 35715029 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-07): Appraisal delivery receipt received and updated exception cleared<br>Buyer Comment (2024-10-04): Appraisal proof of delivery uploaded. | 10/07/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 349 | 35715030 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-07): Appraisal delivery receipt received and updated exception cleared<br>Buyer Comment (2024-10-04): Appraisal proof of delivery uploaded. | 10/07/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 351 | 35715039 |  | 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: ___<br> Disaster Declaration Date: ___ | The Subject property is located in a FEMA Disaster area a post-Disaster inspection report verifying there was no damage to the subject property required | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-11): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Buyer Comment (2024-11-01): Please see the Re-inspection report attached. No damage has been reported |  |  | 11/11/2024 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 351 | 35715044 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-09): Sufficient Cure Provided At Closing |  | 10/09/2024 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 351 | 35715046 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 10/11/2024 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 351 | 35715047 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 10/11/2024 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 351 | 35715048 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 10/11/2024 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 351 | 35715049 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 10/11/2024 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 352 | 35715052 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the[redacted] form should have been used. | Based on the Title Commitment the loan was originated by Carrington Mortgage on [redacted] or $[redacted] . |  |  |  | Buyer Comment (2024-12-11): Approve |  |  | 12/11/2024 | 2 B |  | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 352 | 35715053 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-06): Sufficient Cure Provided At Closing |  | 12/06/2024 |  | 1 A |  | IN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 353 | 35715054 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  |  | 02/21/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 353 | 35715059 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 01/27/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 353 | 35715060 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] business days prior to consummation |  |  |  |  | Reviewer Comment (2026-02-04): waived |  |  | 02/04/2026 | 2 C B |  | CT | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715066 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-08-29): Cleared.<br>Reviewer Comment (2025-08-29): Proof delivery provided for appraisal dated [redacted]is dated post close. Required evidence that borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation.<br>Buyer Comment (2025-08-21): Proof appraisal [redacted]delivered. Please note, revised appraisal was sent post close and is acceptable as value was not affected. Initial appraisal dated [redacted]uploaded and proof delivered is image [redacted]in initial file. | 08/29/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715068 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors. |  |  | 08/19/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715069 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors. |  |  | 08/19/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715070 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] to ATR Risk due to less than [redacted] months PITIA reserves as required and FICO less than [redacted] . |  |  |  | Reviewer Comment (2025-08-19): Lender exception with compensating factors, system cleared. | 08/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715071 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] to ATR Risk due to less than [redacted] months PITIA reserves as required and FICO less than [redacted] . |  |  |  | Reviewer Comment (2025-08-19): Lender exception with compensating factors, system cleared. | 08/19/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 355 | 35715072 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-14): Sufficient Cure Provided At Closing |  | 08/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 355 | 35715073 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-19): Client elects to waive with compensating factors. |  |  | 08/19/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715074 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | [redacted] due to insufficient reserves. |  |  |  | Reviewer Comment (2025-08-19): Lender exception with compensating factors, system cleared. | 08/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715075 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-09-02): Approve<br>Reviewer Comment (2025-08-29): Proof delivery provided for appraisal dated [redacted]is dated post close. Required evidence that borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-08-21): Proof appraisal [redacted]delivered. Please note, revised appraisal was sent post close and is acceptable as value was not affected. Initial appraisal dated [redacted]uploaded and proof delivered is image [redacted]in initial file. |  |  | 09/02/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715076 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-29): Cleared.<br>Reviewer Comment (2025-08-29): Proof delivery provided for appraisal dated [redacted]is dated post close. Required evidence that borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation.<br>Buyer Comment (2025-08-21): Proof appraisal [redacted]delivered. Please note, revised appraisal was sent post close and is acceptable as value was not affected. Initial appraisal dated [redacted]uploaded and proof delivered is image [redacted]in initial file. | 08/29/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 355 | 35715078 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule [redacted]): Creditor did not provide a copy of revised valuation to applicant[redacted] business days prior to consummation. | Borrower not provided with a copy of revised valuation to applicant [redacted]) business days prior to consummation. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2025-09-02): Approve |  |  | 09/02/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 357 | 35715083 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require mortgage statment. |  |  |  | Reviewer Comment (2025-08-25): Property is free and clear and taxes and insurance have been verified<br>Buyer Comment (2025-08-20): based on final fraud report, and credit report, [redacted][redacted] is not financed. Borrower has owned property for [redacted]+ plus years and provided HOI ([redacted]) and taxes ([redacted]). Mortgage statement is N/A | 08/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 357 | 35715086 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing mortgage statement # [redacted] . |  |  |  | Reviewer Comment (2025-08-25): Property is free and clear and taxes and insurance have been verified<br>Buyer Comment (2025-08-20): based on final fraud report, and credit report, [redacted][redacted] is not financed. Borrower has owned property for [redacted]+ plus years and provided HOI ([redacted]) and taxes ([redacted]). Mortgage statement is N/A | 08/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 357 | 35715087 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing mortgage statement for #[redacted] . |  |  |  | Reviewer Comment (2025-08-25): Property is free and clear and taxes and insurance have been verified<br>Buyer Comment (2025-08-20): based on final fraud report, and credit report, [redacted][redacted] is not financed. Borrower has owned property for [redacted]+ plus years and provided HOI ([redacted]) and taxes ([redacted]). Mortgage statement is N/A | 08/25/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 357 | 35715088 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | Missing mortgage statement for #[redacted] . |  |  |  | Reviewer Comment (2025-08-25): Property is free and clear and taxes and insurance have been verified<br>Buyer Comment (2025-08-20): based on final fraud report, and credit report, [redacted][redacted] is not financed. Borrower has owned property for [redacted]+ plus years and provided HOI ([redacted]) and taxes ([redacted]). Mortgage statement is N/A | 08/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 357 | 35715089 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing mortgage statement for #[redacted] . |  |  |  | Reviewer Comment (2025-08-25): Property is free and clear and taxes and insurance have been verified<br>Buyer Comment (2025-08-20): based on final fraud report, and credit report, [redacted][redacted] is not financed. Borrower has owned property for [redacted]+ plus years and provided HOI ([redacted]) and taxes ([redacted]). Mortgage statement is N/A | 08/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 357 | 35715090 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision REO Principal and Interest Amount Considered | Ability to Repay ([redacted]): REO has no P&I amount but is not indicated as a free & clear owned property. |  |  |  |  | Reviewer Comment (2025-08-25): Property is free and clear and taxes and insurance have been verified | 08/25/2025 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 358 | 35715094 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-08-21): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-20): CD is [redacted]showing PR cure on final page. Pay history is [redacted]showing posted cure, and Lender LOE to borrower is [redacted] |  | 08/21/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 358 | 35715095 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/21/2025 |  | 1 A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 359 | 35715102 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for [redacted] reserves and [redacted] months required. Comp factor of [redacted] + years on job. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Lender Exception with Compensating Factors. |  |  | 08/18/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 360 | 35715105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-15): Sufficient Cure Provided At Closing |  | 08/15/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 360 | 35715107 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Qualifying ratios of [redacted]or less.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-15): ...<br>Reviewer Comment (2026-01-15): ..<br>Reviewer Comment (2026-01-15): Lender exception with compensating factors.<br>Reviewer Comment (2025-08-18): Client elects to waive with compensating factors. |  |  | 01/15/2026 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 361 | 35715109 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] % or Final Disclosure APR of 8.30600[redacted] is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-16): Delivery provided, system cleared.<br>Reviewer Comment (2025-09-15): Original report is dated [redacted]and updates made to the report on [redacted]to change zoning and hoa dues. Delivery of report dated [redacted]not documented in file. Transfer letter does not meet HPML/ECOA requirements for borrower to receive a copy of all appraisals. Please provide evidence of delivery of [redacted]report.<br>Buyer Comment (2025-09-11): Waterfall of [redacted].<br>Reviewer Comment (2025-09-11): Appraisal delivery received for report dated [redacted], delivery not provided for report in file dated [redacted].<br>Buyer Comment (2025-09-04): [redacted]<br>Reviewer Comment (2025-08-28): Need evidence of delivery.<br>Buyer Comment (2025-08-21): [redacted] | 09/16/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 361 | 35715110 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule[redacted] : Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-16): Delivery provided, system cleared.<br>Reviewer Comment (2025-09-15): Original report is dated [redacted]and updates made to the report on [redacted]to change zoning and hoa dues. Delivery of report dated [redacted] not documented in file. Transfer letter does not meet HPML/ECOA requirements for borrower to receive a copy of all appraisals. Please provide evidence of delivery of [redacted]report.<br>Buyer Comment (2025-09-11): The "date received" on the records provided is[redacted] That is the date Carrington received the appraisal dated [redacted] It was sent to the borrower on [redacted] and received the same day.<br>Reviewer Comment (2025-09-11): Appraisal delivery received for report dated [redacted], delivery not provided for report in file dated [redacted].<br>Buyer Comment (2025-09-04): Internal record of delivery attached.<br>Reviewer Comment (2025-08-28): Need evidence of delivery.<br>Buyer Comment (2025-08-19): The appraisal date is prior to the application date. The borrower brought this appraisal from another lender, as shown with the attached transfer letter. Therefore, necessarily, the borrower received it. | 09/16/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 361 | 35715113 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation[redacted] business days prior to consummation |  |  |  | Reviewer Comment (2025-09-16): Delivery provided, system cleared.<br>Reviewer Comment (2025-09-15): Original report is dated [redacted]and updates made to the report on [redacted]to change zoning and hoa dues. Delivery of report dated [redacted]not documented in file. Transfer letter does not meet HPML/ECOA requirements for borrower to receive a copy of all appraisals. Please provide evidence of delivery of [redacted]report.<br>Buyer Comment (2025-09-11): [redacted]<br>Reviewer Comment (2025-09-11): Appraisal delivery received for report dated [redacted], delivery not provided for report in file dated [redacted].<br>Buyer Comment (2025-09-04): [redacted]<br>Reviewer Comment (2025-08-28): Need evidence of delivery.<br>Buyer Comment (2025-08-21): [redacted] | 09/16/2025 |  |  | 1 B A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 361 | 35715114 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule[redacted] : Creditor did not provide a copy of revised valuation to applicant[redacted] business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation[redacted] business days prior to consummation |  |  |  | Reviewer Comment (2025-08-20): Documents received, system cleared. | 08/20/2025 |  |  | 1 B A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 363 | 35715122 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year[redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  | Reviewer Comment (2025-08-21): [redacted]Corrected PCCD and LOE provided within [redacted]days of the consummation.<br>Buyer Comment (2025-08-20): PC CD showing corrected Non-Escrowed Property Costs over Year [redacted]is [redacted], LOE to borrower for PC CD is also provided in file (see other exception notes) | 08/21/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 363 | 35715123 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-08-21): [redacted]Cure provided within [redacted] days of consummation.<br>Buyer Comment (2025-08-20): CD showing PR cure is [redacted], lender LOE to borrower is [redacted], pay history confirming cure [redacted] | 08/21/2025 |  |  | 1 C A |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 363 | 35715124 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-08-21): [redacted]Cure provided within [redacted]days of consummation.<br>Buyer Comment (2025-08-20): CD showing PR cure is [redacted], lender LOE to borrower is [redacted], pay history confirming cure [redacted] | 08/21/2025 |  |  | 1 C A |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 363 | 35715125 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/21/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 363 | 35715126 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted]ure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/21/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 364 | 35715128 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request as guidelines do not permit [redacted] employees as borrowers. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Borrower's own funds used for down payment and closing (no gift or DPA). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Lender Exception with Compensating Factors. |  |  | 08/18/2025 | 2 B |  | NC | Investment | Purchase | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 364 | 35715129 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for non-warrantable condo. Condo project does not meet [redacted]% presale for a new project. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Borrower's own funds used for down payment and closing (no gift or DPA). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-18): Lender Exception with Compensating Factors. |  |  | 08/18/2025 | 2 B |  | NC | Investment | Purchase | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 367 | 35715140 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-27): [redacted]received COC and rebuttal comment suffice.<br>Buyer Comment (2025-08-25): This is already in XXXX on the Non-Agency Loan Approval Summary, page [redacted].<br>Reviewer Comment (2025-08-25): [redacted]received copy of LE dated [redacted]. No UW exception documents attached in trailing docs. Please provide any exception letter or UW comment for exception provided to validate the change.<br>Buyer Comment (2025-08-22): The adjustment to the interest rate is due to the addition of the underwriting exception for the property exceeding max acreage. See NAQ Approval showing exception requested[redacted] and approved [redacted]. This affected price, which affected lender credit in order to compensate.<br>Reviewer Comment (2025-08-22): [redacted]received COC dated [redacted] with reason "Change to Credit for interest rate chosen" however, the interest rate was same as locked on LE dated [redacted]. Please provide sufficient information as to what changed circumstance occurred (as defined under [redacted](e)([redacted])(A)-(F) that resulted in the relock of the loan and change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2025-08-21): The lender credits were reduced with the attached disclosure and COC. | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 367 | 35715142 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property exceeds max acreage allowed. (Guidelines allow a max of [redacted] acres, subject is [redacted] acres) | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income is greater than $[redacted].<br>Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+.<br>Low housing ratio [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-18): Client elects to waive with compensating factors. |  |  | 08/18/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 369 | 35715148 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-08-22): [redacted] received rebuttal for Title-Attorney fee and the fee is within tolerance limit.<br>Buyer Comment (2025-08-21): The borrower shopped for the attorney fees, using provider [redacted]rather than [redacted] | 08/22/2025 |  |  | 1 C A |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 369 | 35715149 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-08-22): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-21): $[redacted]cure already applied. |  | 08/22/2025 |  | 2 C B |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 369 | 35715150 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-08-22): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-21): See cure applied, docs attached to finding [redacted]. |  | 08/22/2025 |  | 2 C B |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 369 | 35715151 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/22/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 369 | 35715152 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/22/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 369 | 35715153 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/22/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 370 | 35715156 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Credit report Fee was disclosed on initial Loan estimate as $[redacted]but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/25/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 370 | 35715157 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]ure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Credit Monitoring Service fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/25/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 372 | 35715161 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing Year to date Profit and Loss statement. Guidelines state if more than [redacted] have passed since the end of the most recent calendar or fiscal year, a YTD P&L statement must be provided and must be prepared by the same licensed party that prepared the [redacted] P&L. |  |  |  | Reviewer Comment (2025-09-05): YTD P&L provided<br>Buyer Comment (2025-09-04): Attached. | 09/05/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 372 | 35715162 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation mismatch due to missing year to date Profit and Loss statement. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): [redacted] | 09/05/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 372 | 35715163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] due to missing year to date Profit and Loss statement. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): [redacted] | 09/05/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 372 | 35715165 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing year to date Profit and Loss statement. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): [redacted] | 09/05/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 374 | 35715173 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (2025-09-02): [redacted] received IEAD.<br>Buyer Comment (2025-08-29): Initial Escrow Account Disclosure Statement uploaded. | 09/02/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 374 | 35715175 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment [redacted] that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2025-09-02): Cured prior to discovery.<br>Buyer Comment (2025-08-29): Funder CD that corrected the issue, sent to the borrower post-close, uploaded. |  | 09/02/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 374 | 35715176 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Missing initial escrow account statement. |  |  |  | Reviewer Comment (2025-09-02): Cured prior to discovery.<br>Buyer Comment (2025-08-29): Funder CD that corrected the issue, sent to the borrower post-close, uploaded. |  | 09/02/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 376 | 35715185 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>Miscellaneous | Substantial cash reserves.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Low default risk with equity, LTV [redacted] % lower than matrix.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-18): Lender exception with compensating factors.<br>Reviewer Comment (2025-12-10): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-16): Lender exception with compensating factors.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review.<br>Reviewer Comment (2025-08-27): Lender exception in file but unable to clear due to DTI significantly exceeds guidelines exception. Exception will be re-evaluated once DTI ATR exceptions have been addressed. |  |  | 09/16/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715186 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for self-employed [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>Miscellaneous | Substantial cash reserves.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Low default risk with equity, LTV [redacted] % lower than matrix.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-18): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-16): Lender exception with compensating factors.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review.<br>Reviewer Comment (2025-09-05): Upper management cannot review lender exception until income and DTI exceptions are addressed.<br>Buyer Comment (2025-08-28): CPA letter attached.<br>Reviewer Comment (2025-08-27): Borrower has been self-employed more than the required [redacted] years when including previous self-employed businesses but need two years business license or a CPA letter to verify. |  |  | 09/16/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715187 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | UW income worksheet [redacted] default factor income is $[redacted] but this figure is based off [redacted] average verified bank statement deposits. |  |  |  | Reviewer Comment (2025-09-12): Lender income worksheet provided and lender exception for expense factor.<br>Buyer Comment (2025-09-11): Appending to prior comment: the lower expense factor is supported because the borrower owns the business building free and clear. See attached.<br>Buyer Comment (2025-09-08): PC Exception approved to use [redacted] % expense factor for income, updated approval and calculator attached. | 09/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715188 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | DTI exceeds [redacted]% due to UW income work sheet using a [redacted] average verified bank statement deposits. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>Miscellaneous | Substantial cash reserves.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Low default risk with equity, LTV [redacted] % lower than matrix.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-18): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-12): Lender income worksheet provided and lender exception for expense factor. | 09/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715189 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception required for business not in existence for at least [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>Miscellaneous | Substantial cash reserves.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Low default risk with equity, LTV [redacted] % lower than matrix.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-18): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-16): Lender exception with compensating factors.<br>Buyer Comment (2025-09-16): Debt ratio is expanded to allow up to [redacted] % per guidelines, FICO > [redacted] , LTV < [redacted] %, Primary Residence, [redacted] unit.<br>Reviewer Comment (2025-09-16): Exception not listed on approval for business not in existence for at least [redacted] years.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review. |  |  | 09/16/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds [redacted]% due to UW income work sheet using a [redacted] average instead of a [redacted] average verified bank statement deposits. The business used for income qualification has not been in existence for[redacted] and borrower has not been self employed for [redacted] as required by guidelines. |  |  |  | Reviewer Comment (2025-09-17): Non-QM with pre-close lender exception and compensating factors.<br>Buyer Comment (2025-09-16): Debt ratio is expanded to allow up to [redacted] % per guidelines, FICO > [redacted], LTV < [redacted] %, Primary Residence, [redacted] unit.<br>Reviewer Comment (2025-09-16): Exception not listed on approval for business not in existence for at least [redacted] years.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review. | 09/17/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 376 | 35715191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds [redacted]% due to UW income work sheet using a [redacted] average instead of a [redacted] average verified bank statement deposits. The business used for income qualification has not been in existence for [redacted] and borrower has not been self employed for [redacted] as required by guidelines. |  |  |  | Reviewer Comment (2025-09-17): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-09-17): Re-graded to [redacted]-B with compensating factors and pre-close lender exception approval.<br>Buyer Comment (2025-09-16): Debt ratio is expanded to allow up to [redacted]% per guidelines, FICO > [redacted], LTV < [redacted]%, Primary Residence, [redacted] unit.<br>Reviewer Comment (2025-09-16): Exception not listed on approval for business not in existence for at least [redacted] years.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review. | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds [redacted]% due to UW income work sheet using a [redacted] average instead of a [redacted] average verified bank statement deposits. |  |  |  | Reviewer Comment (2025-09-12): Updated income worksheet provided and lender exception for expense factor. | 09/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715193 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | DTI exceeds [redacted]% due to UW income work sheet using a [redacted] average instead of a [redacted] average verified bank statement deposits. The business used for income qualification has not been in existence for [redacted] and borrower has not been self employed for [redacted] as required by guidelines. |  |  |  | Reviewer Comment (2025-09-17): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-09-17): Re-graded to [redacted] with compensating factors and pre-close lender exception approval.<br>Buyer Comment (2025-09-16): Debt ratio is expanded to allow up to [redacted]% per guidelines, FICO > [redacted], LTV < [redacted] %, Primary Residence, [redacted] unit.<br>Reviewer Comment (2025-09-16): Exception not listed on approval for business not in existence for at least [redacted] years.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review. | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715194 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-09-17): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-09-16): Complete cure attached. |  | 09/17/2025 |  | 2 C B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 376 | 35715195 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DTI exceeds [redacted]%. |  |  |  | Reviewer Comment (2025-09-16): Lender income worksheet provided and lender exception for expense factor.<br>Buyer Comment (2025-09-15): Income and DTI exceptions addressed, please review. | 09/16/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 376 | 35715196 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use [redacted]% expense factor for income calculation. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>Miscellaneous | Substantial cash reserves.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-18): Lender exception with compensating factors.<br>Buyer Comment (2025-09-16): Debt ratio is expanded to allow up to [redacted] % per guidelines, FICO > [redacted], LTV < [redacted] %, [redacted]Residence, [redacted] unit.<br>Reviewer Comment (2025-09-16): Lender exception with compensating factors. |  |  | 09/16/2025 | 2 B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 377 | 35715199 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] 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 [redacted]). | Amount Financed in the amount of $[redacted]is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2025-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-09-30): Check voucher uploaded<br>Reviewer Comment (2025-09-30): [redacted] received Corrected CD, LOE to borrower, proof of reopening of rescission, [redacted] label and a disbursement check voucher. Unfortunately unable to utilize the disbursement check voucher as proof of cure refund check. If the lower portion is a copy of the actual check, is not legible. Provide a legible cure refund check copy for underdisclosure amount of $[redacted].<br>Buyer Comment (2025-09-29): PCCD, LOE, NORTC, and delivery label uploaded.<br>Reviewer Comment (2025-09-03): [redacted] received rebuttal that the HOA Certification fee paid to HOA association and not finance charge. However, the determination of a finance charge is not the payee but the service/purpose provided. Lender can provide a Lender Attestation that gives the specific service & purpose of the fee to determine if it was required for the extension of credit. If HOA certification was required by lender for approval and extension of credit, it would be a finance charge and cure would be due. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure $[redacted], proof of mailing and proof of reopening of rescission are restitution documents.<br>Buyer Comment (2025-09-02): The $[redacted]fee charged to the borrower for the HOA/Condo Certification Fee is paid directly to the HOA/Condo Association, and therefore not calculated into the finance charge. |  | 10/01/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 377 | 35715200 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold |  |  |  | Reviewer Comment (2025-10-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-09-30): Check voucher uploaded<br>Reviewer Comment (2025-09-30): [redacted] received Corrected CD, LOE to borrower, proof of reopening of rescission, [redacted] label and a disbursement check voucher. Unfortunately unable to utilize the disbursement check voucher as proof of cure refund check. If the lower portion is a copy of the actual check, is not legible. Provide a legible cure refund check copy for underdisclosure amount of $[redacted].<br>Buyer Comment (2025-09-29): PCCD, LOE, NORTC, and delivery label uploaded.<br>Reviewer Comment (2025-09-03): [redacted] received rebuttal that the HOA Certification fee paid to HOA association and not finance charge. However, the determination of a finance charge is not the payee but the service/purpose provided. Lender can provide a Lender Attestation that gives the specific service & purpose of the fee to determine if it was required for the extension of credit. If HOA certification was required by lender for approval and extension of credit, it would be a finance charge and cure would be due. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure $[redacted], proof of mailing and proof of reopening of rescission are restitution documents.<br>Buyer Comment (2025-09-02): The $[redacted]fee charged to the borrower for the HOA/Condo Certification Fee is paid directly to the HOA/Condo Association, and therefore not calculated into the finance charge. |  | 10/01/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 377 | 35715201 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-09-02): [redacted]is the CD showing sufficient cure [redacted]is LOE to borrower [redacted]is payhistory |  | 09/03/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 377 | 35715202 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-09-02): D0338 is the CD showing sufficient cure [redacted]is LOE to borrower [redacted] is payhistory |  | 09/03/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 377 | 35715203 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/03/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 377 | 35715204 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/03/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 379 | 35715206 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-09-03): [redacted] received PCCD, LOE and principal reduction of cure.<br>Buyer Comment (2025-09-02): PC CD, LOE and pay history uploaded. |  | 09/03/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 379 | 35715208 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): [redacted] letter provided along with CPA letter verifying self-employed the last [redacted] years.<br>Buyer Comment (2025-09-02): the borrower was underwritten under ITIN status, and documents UW used are uploaded. | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 379 | 35715209 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  |  |  |  |  | Reviewer Comment (2025-09-05): [redacted] letter provided along with CPA letter verifying self-employed the last [redacted] years.<br>Buyer Comment (2025-09-02): the borrower was underwritten under ITIN status, and documents UW used are uploaded. | 09/05/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 379 | 35715210 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-02): appraisal delivery uploaded | 09/05/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 379 | 35715211 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/05/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 380 | 35715215 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-03): Sufficient cure provided. Full cure amount for tolerance violation was provided within [redacted] days of consummation and before date of discovery by [redacted].<br>Buyer Comment (2025-09-02): [redacted]is the PC CD showing PR cure on final page, [redacted]is CD LOE to borrower, and [redacted] pay history for cure. | 09/03/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 380 | 35715216 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]ure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/03/2025 |  | 1 A |  | PA | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 381 | 35715217 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-08-29): Cleared.<br>Buyer Comment (2025-08-27): rate lock | 08/29/2025 |  |  | 1 B A |  | ME | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 381 | 35715220 |  | 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 [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-08-29): [redacted] received disclosure Tracking for CD dated [redacted] received to consumer [redacted]business days prior to the consummation.<br>Buyer Comment (2025-08-28): disclosure tracking supporting delivery of initial CD and borrower receipt<br>Reviewer Comment (2025-08-28): [redacted] received audit trail for the disclosure package was created and accessed by borrower. However, it does not provide sufficient information on what documents are included in the package that was accessed by borrower on [redacted]. Provide document list with proof of receipt CD dated[redacted] received[redacted] business days prior to the consummation.<br>Buyer Comment (2025-08-27): audit trail delivery and receipt of initial cd | 08/29/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 381 | 35715222 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-29): Cleared.<br>Buyer Comment (2025-08-27): borrower receipt of appraisal | 08/29/2025 |  |  | 1 B A |  | ME | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715223 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing Tax Verification for [redacted]<br> The file is missing Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-11-04): uploaded policy dec for [redacted] | 11/06/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715225 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of [redacted]). | Loan fails Mortgage Points and fees test due to the fees charged to the Borrower(s) exceed [redacted]% the loan amount. The Note reflects a loan amount of $[redacted]Fees charged to the Borrower(s) equal $[redacted]which equal [redacted]% of the loan amount. |  |  |  | Reviewer Comment (2025-09-24): Cleared. | 09/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715226 |  | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. | [redacted]months interest on amount prepaid within [redacted]months. |  |  |  | Reviewer Comment (2025-09-24): Cleared.<br>Buyer Comment (2025-09-22): Please note, subject is an investment property and PP is acceptable for this transaction. | 09/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715227 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of ATR Risk. | The file is missing Tax Verification and Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-09-24): Cleared. | 09/24/2025 |  |  | 1 B A C |  | CA | Investment | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Exempt from ATR | N/A | Yes |
| [redacted] | [redacted] | [redacted] | 382 | 35715228 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | The file is missing Tax Verification and Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-09-24): Cleared. | 09/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715229 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing Tax Verification and Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-11-04): uploaded policy dec for [redacted] | 11/06/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715230 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing Tax Verification and Insurance Verification for [redacted] |  |  |  | Reviewer Comment (2025-09-24): Cleared. | 09/24/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 382 | 35715231 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-10-07): Approve |  |  | 10/07/2025 | 2 B |  | CA | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 383 | 35715232 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider[redacted]Family not provided |  | Rider -[redacted]Family is not provided. |  |  |  | Reviewer Comment (2025-09-12): [redacted]- [redacted] rider provided, exception cleared.<br>Buyer Comment (2025-09-05): Rider uploaded | 09/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A C | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 383 | 35715234 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID:[redacted] |  | Investor to provide CDA. as NO UCDP scores present in file. |  |  |  | Reviewer Comment (2025-10-02): Cleared.<br>Buyer Comment (2025-09-22): Please escalate to [redacted]/[redacted] for review as the desk review meets guideline requirements.<br>Reviewer Comment (2025-09-18): Provided document is Appraisal inspection review report. Require Secondary valuation document. Exception remains<br>Buyer Comment (2025-09-16): per guidelines, desk review is required to provide a value and comparative sales, and this provided report meets those requirements. see uploaded snip of guidelines.<br>Reviewer Comment (2025-09-12): Provided report is not an acceptable desk review as it is a review of the appraisal report. Exception remains.<br>Buyer Comment (2025-09-05): Desk Review uploaded | 10/02/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A C | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 383 | 35715235 |  | 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 |  | The Desk Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-10-28): Cleared<br>Buyer Comment (2025-10-16): updated desk review uploaded | 10/28/2025 |  |  | 1 A |  | NJ | Investment | Purchase | D A C | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 384 | 35715236 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted]years of 4506-C is required signed by the borrower at the application date as per the guideline requirement. |  |  |  | Reviewer Comment (2025-09-17): [redacted] not required, system cleared.<br>Buyer Comment (2025-09-16): Per guidelines, P&L income loans do not required [redacted] . see uploaded snip of guidelines | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 384 | 35715237 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Initial 4506 C is required to be signed by the borrower on the application date as per the guideline requirement. |  |  |  | Reviewer Comment (2025-09-17): [redacted] not required, system cleared.<br>Buyer Comment (2025-09-16): Per guidelines, P&L income loans do not required [redacted]. see uploaded snip of guidelines | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 384 | 35715238 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-19): Approve<br>Reviewer Comment (2025-09-17): Delivery provided however, was not within [redacted] business days prior to closing. Exception is an EV2 that can be elected to waive.<br>Buyer Comment (2025-09-16): appraisal delivery evidence uploaded |  |  | 09/19/2025 | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 384 | 35715240 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation mismatch due to missing signed & dated 4506 C. |  |  |  | Reviewer Comment (2025-09-17): [redacted] not required, system cleared.<br>Buyer Comment (2025-09-16): Per guidelines, P&L income loans do not required [redacted] . see uploaded snip of guidelines | 09/17/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 384 | 35715241 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted]due to missing signed & dated 4506 C. |  |  |  | Reviewer Comment (2025-09-17): [redacted] not required, system cleared.<br>Buyer Comment (2025-09-16): Per guidelines, P&L income loans do not required [redacted] . see uploaded snip of guidelines | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 384 | 35715242 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Missing signed & dated 4506 C. |  |  |  | Reviewer Comment (2025-09-17): [redacted] not required, system cleared.<br>Buyer Comment (2025-09-16): Per guidelines, P&L income loans do not required [redacted] . see uploaded snip of guidelines | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 386 | 35715249 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-05): accepted<br>Reviewer Comment (2025-09-05): Missing proof when borrower downloaded emailed appraisal so estimated receipt is [redacted] which is not three days prior to consummation date. Exception remains EV2.<br>Buyer Comment (2025-09-04): Please see attached proof of appraisal being delivered to the borrower on [redacted] |  |  | 09/05/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 386 | 35715251 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): Please see attached RESPA's Homeownership Counseling list. The form was included in the original binder please see pages # [redacted] &[redacted] | 09/05/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 386 | 35715252 |  | 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 [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-09-14): [redacted] received rebuttal and disclosure summary suffice<br>Buyer Comment (2025-09-11): Could you please kindly escalate this discrepancy to [redacted]? Please see the tracking history. There is no other CD generated in the system besides the one that we sent to the bwr on [redacted]. The discrepancy that is mentioned in regards the time that the CD has and the tracking history is just that it was placed in the BOT queue for Artificial Intelligence to disclose on [redacted], BOT started processing but somehow took that long to add to the disclosing tracking but essentially is the same CD. Please see again the attached disclosure tracking history showing only one CD dated [redacted],<br>Reviewer Comment (2025-09-10): [redacted] received documents, however we are unable to identify which document was sent when as CD dated [redacted] timestamp of [redacted] and as per disclosure summary there is timestamp of [redacted]. Please provide details of document sent.<br>Buyer Comment (2025-09-08): Please see the Initial CD dated, generated, and signed electronically by the borrower on the same day, [redacted], and the Consummation CD signed and dated by bwr until [redacted], which is more than [redacted]business days after the initial CD was disclosed to bwr.<br>Buyer Comment (2025-09-05): Please see attached initial CD dated [redacted] signed and delivered to the bwr same date also see consummation CD signed and dated until [redacted], which is more than [redacted] business days after the initial CD. | 09/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 386 | 35715253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-09-14): [redacted] received rebuttal and disclosure summary suffice<br>Buyer Comment (2025-09-11): Could you please kindly escalate this discrepancy to [redacted]? Please see the tracking history. There is no other LE generated in the system besides the one that we sent to the bwr on [redacted]. The discrepancy that is mentioned in regards the time that the LE has and the tracking history is just that it was placed in the BOT queue for Artificial Intelligence to disclose on [redacted] BOT started processing but somehow took that long to add to the disclosing tracking but essentially is the same LE. Please see again attached disclosure tracking history showing only one LE dated [redacted] also LE dated the same day [redacted], proof of delivery, valid COC and consummation CD signed and dated [redacted], which is more than[redacted]business days after that final LE was generated and signed by our bwr.<br>Reviewer Comment (2025-09-10): [redacted] received documents, however we are unable to identify which document was sent when as LE dated [redacted] timestamp of [redacted] am and as per disclosure summary of there is timestamp of [redacted]PM. Please provide details of document sent.<br>Reviewer Comment (2025-09-10): [redacted] received documents, however we are unable to identify which document was sent when as LE dated [redacted] timestamp of[ Redacted] am and as per disclosure summary of there is timestamp of [redacted] PM. Please provide details of document sent.<br>Buyer Comment (2025-09-08): Please review the Initial LE and the Consummation CD attached again, without any additional documents.<br>Buyer Comment (2025-09-08): Please see the same attached and explanation. The pages #[redacted] to [redacted], including the final LE dated [redacted], also proof of delivery to bwr dated the same date that was generated, see pages # [redacted] and [redacted] . Then the pages # [redacted]through [redacted], includes the consummation CD signed and dated by our borrower on [redacted] which is more than [redacted] business days after that bwr received the final LE. Please advise if you may need a further explanation. Thanks.<br>Reviewer Comment (2025-09-08): [redacted] received disclosures summary that shows the receipt of document but from the snip we are unable to identify which document viewed by the borrower. Please provide details to confirm receipt of LE and CD.<br>Buyer Comment (2025-09-05): Please see attached Final LE dated [redacted] signed and received same date. Also, see consummation CD signed and dated until [redacted] | 09/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 387 | 35715260 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | HOA/Condo Questionnaire Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 388 | 35715265 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Singed Initial escrow account disclosure escrow amount is reported $[redacted]and on post close closing disclosure it is reported as $[redacted]. |  |  |  | Reviewer Comment (2025-09-12): Updated IEAD provided, system cleared.<br>Buyer Comment (2025-09-08): Correct IEAD attached. | 09/12/2025 |  |  | 1 B A |  | LA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 388 | 35715266 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2025-09-16): [redacted] received PCCD and LOE.<br>Buyer Comment (2025-09-15): Please see finding [redacted]. |  | 09/16/2025 |  | 2 B |  | LA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 388 | 35715267 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | The Closing Disclosure dated [redacted] reflects escrow payment of $[redacted] and actual escrow payment is $[redacted] |  |  |  | Reviewer Comment (2025-09-16): [redacted] received PCCD, IEAD, and LOE.<br>Buyer Comment (2025-09-15): Sent to borrower, see attached. |  | 09/16/2025 |  | 2 B |  | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 389 | 35715271 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in existence < [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted]+.. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 390 | 35715273 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Lender Exception: Approved Lender Exception - DTI is [redacted] %, |  |  |  | Reviewer Comment (2025-09-03): Lender exception with compensating factors, system cleared. | 09/03/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 390 | 35715276 |  | 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 [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender Exception: Approved Lender Exception - DTI is [redacted] %, | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | • Residual income greater than $[redacted]<br>[redacted]+ years on job.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-03): Client elects to waive with compensating factors. |  |  | 09/03/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 390 | 35715278 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender Exception: Approved Lender Exception - DTI is [redacted] %, | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | • Residual income greater than $[redacted]<br>[redacted]+ years on job.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 390 | 35715279 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | . | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] % or $[redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-09-05): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-09-04): pccd with cover letter and principal reduction |  | 09/05/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 390 | 35715280 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender approved exception for DTI > [redacted] %. |  |  |  | Reviewer Comment (2025-09-02): Lender exception with compensating factors, system cleared | 09/02/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 390 | 35715281 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] (f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided within[redacted] Days of Closing |  | 09/05/2025 |  | 1 A |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 391 | 35715284 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted] business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-12): Documents received, system cleared.<br>Buyer Comment (2025-09-08): Attached. | 09/12/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 392 | 35715288 |  | 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 [redacted] ([redacted]) business days prior to closing. | Initial CD Issued less than [redacted]days prior to closing and received by the borrower less than [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-09-09): [redacted] received disclosure summary dated [redacted]<br>Buyer Comment (2025-09-05): Disclosure tracking uploaded showing borrower reviewed the [redacted]. Closing took place [redacted]5. This meets the [redacted]day rule. | 09/09/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 393 | 35715291 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-09-08): . |  |  | 09/08/2025 | 2 B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715292 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of [redacted][redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): Please see proof of delivery of appraisals uploaded. HPML does not apply.<br>Reviewer Comment (2025-09-12): HPML Non Compliant exceptions are not eligible for downgrade.<br>Buyer Comment (2025-09-05): Could you please downgrade this exception to EV2 since the bwr received the original appraisal report back on [redacted] [redacted]. If you see the supplemental Addendum for the appraisal dated on [redacted] and [redacted] both of then are clerical copies from the original appraisal report dated [redacted]. The reports are not new appraisal reports are just copies from the original. Please see attached documents which show when the bwr attested received the original appraisal report and also see the screenshots from both reports showing why the appraiser generated new copies. | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715293 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): Please see proof of delivery of appraisals uploaded. HPML does not apply.<br>Reviewer Comment (2025-09-12): HPML Non Compliant exceptions are not eligible for downgrade.<br>Buyer Comment (2025-09-05): Could you please downgrade this exception to EV2 since the bwr received the original appraisal report back on[redacted] [redacted] . If you see the supplemental Addendum for the appraisal dated on [redacted] and [redacted] both of then are clerical copies from the original appraisal report dated [redacted]. The reports are not new appraisal reports are just copies from the original. Please see attached documents which show when the bwr attested received the original appraisal report and also see the screenshots from both reports showing why the appraiser generated new copies. | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715294 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): Please see proof of delivery of appraisals uploaded. HPML does not apply.<br>Reviewer Comment (2025-09-12): HPML Non Compliant exceptions are not eligible for downgrade.<br>Buyer Comment (2025-09-05): Could you please downgrade this exception to EV2 since the bwr received the original appraisal report back on[redacted] [redacted]. If you see the supplemental Addendum for the appraisal dated on [redacted] and [redacted] both of then are clerical copies from the original appraisal report dated [redacted]. The reports are not new appraisal reports are just copies from the original. Please see attached documents which show when the bwr attested received the original appraisal report and also see the screenshots from both reports showing why the appraiser generated new copies. | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715298 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date is after the later of the note or transaction date. Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted] |  |  |  | Reviewer Comment (2025-09-12): Cleared.<br>Buyer Comment (2025-09-05): Please see the hazard Insurance policy attached. | 09/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715299 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] [redacted]business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-09-05): Accepted |  |  | 09/05/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715300 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-09-05): Accepted |  |  | 09/05/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715302 |  | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-16): Accepted<br>Reviewer Comment (2025-09-15): Exception is an EV2 that can be elected to waive. |  |  | 09/16/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 394 | 35715303 |  | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-16): Accepted<br>Reviewer Comment (2025-09-15): Exception is an EV2 that can be elected to waive. |  |  | 09/16/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 395 | 35715304 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | No evidence of appraisal being sent to borrower[redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): appraisal delivery | 09/05/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 395 | 35715305 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Clarity calculated APR exceeds threshold of APR [redacted]%. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): appraisal delivery | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 395 | 35715306 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted]days prior to closing. |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-09-04): appraisal delivery | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 396 | 35715312 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]ompared to the calculated Amount Financed of $[redacted] 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 [redacted]). | Disclosed Amount Financed is $[redacted]. Due Diligence Amount Financed is $[redacted]. There is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received LOA<br>Buyer Comment (2025-09-08): Please see the attestation letter attached.<br>Reviewer Comment (2025-09-05): Final CD reflects the fee name as Title-Tax Certifcate and not Tax Search. Can address either by updating fee name with Corrected CD & LOE to borrower, final settlement statement with matching fee name & with lender attestation clarifying the fee name - OR- confirm tax certificate fee is for one time upfront tax determination and does not include life of loan services to determine if excludable from finance charges. While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under [redacted](c)([redacted]), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment [redacted]([redacted])(c)([redacted])-[redacted]which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-09-05): Could you please review this exception[redacted] more time? The tax certificate fee is for a tax search performed by the title company and is not a finance charge. The finance charge is not understated, the loan is compliant. Please see the attached screenshot from the LLS report. | 09/10/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 396 | 35715313 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charge is $[redacted]. Due Diligence Finance Charge is $[redacted]. There is a variance of -$[redacted]. |  |  |  | Reviewer Comment (2025-09-10): [redacted] received LOA<br>Buyer Comment (2025-09-08): Please see the attestation letter attached.<br>Reviewer Comment (2025-09-05): Final CD reflects the fee name as Title-Tax Certifcate and not Tax Search. Can address either by updating fee name with Corrected CD & LOE to borrower, final settlement statement with matching fee name & with lender attestation clarifying the fee name - OR- confirm tax certificate fee is for one time upfront tax determination and does not include life of loan services to determine if excludable from finance charges. While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under [redacted](c)([redacted]), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment [redacted]([redacted])(c)([redacted])-[redacted]which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-09-05): Could you please review this exception one more time? The tax certificate fee is for a tax search performed by the title company and is not a finance charge. The finance charge is not understated, the loan is compliant. Please see the attached screenshot from the [redacted] report. | 09/10/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 397 | 35715318 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | B2 non-permanent resident with [redacted](Guidelines do not allow for a [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted] %.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-02): Client elects to waive with compensating factors. |  |  | 09/02/2025 | 2 B |  | OR | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 398 | 35715321 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. |  |  |  | Buyer Comment (2025-09-11): accept ev2 grade<br>Reviewer Comment (2025-09-11): Exception is a EV2 which can be elected to waive.<br>Buyer Comment (2025-09-05): [redacted] tax extension |  |  | 09/11/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 398 | 35715322 |  | 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 [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-09-08): [redacted] received disclosure summary<br>Buyer Comment (2025-09-05): disclosure tracking | 09/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 398 | 35715323 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. Insufficient or no cure was provided to the borrower. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-08): [redacted] received COC documents<br>Buyer Comment (2025-09-05): COC's and disclosure tracking for delivery and receipt of updated LE's and CD for changes in title fees | 09/08/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 398 | 35715324 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-11): Delivery provided, system cleared.<br>Buyer Comment (2025-09-05): appraisal delivery | 09/11/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 398 | 35715325 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. |  | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %. | [redacted] + years on the job.<br>Borrower has verified disposable income of at least $[redacted].<br>Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Low default risk with substantial equity. LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-11): Lender exception with compensating factors. |  |  | 12/11/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 399 | 35715327 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The provided hazard insurance coverage amount is shortage of $[redacted] required sufficient coverage document. |  |  |  | Reviewer Comment (2025-09-12): Documents received, system cleared.<br>Buyer Comment (2025-09-11): [redacted] state checklist of coverage uploaded | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 399 | 35715329 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Escrow collection of $[redacted] does not match initial escrow account statement starting balance of $[redacted]. |  |  |  | Reviewer Comment (2025-09-12): Documents received, system cleared.<br>Buyer Comment (2025-09-12): corrected initial escrow acct stmt | 09/12/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 399 | 35715330 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of [redacted]on Final Closing Disclosure provided on [redacted] are underdisclosed. | The final CD page [redacted]reflects non escrowed property costs over year[redacted] of $[redacted] which does not include the property taxes. |  |  |  | Reviewer Comment (2025-09-16): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-09-16): cd includes cover letter<br>Buyer Comment (2025-09-16): updated cd<br>Reviewer Comment (2025-09-16): [redacted] received PCCD dated [redacted]. Non-escrow property costs reflected on PCCD of $[redacted]. Loan file indicates non-escrow costs of $[redacted]. The itemized costs ($[redacted]/ $[redacted]HOI) total $[redacted]/ month. Please provide corrected PCCD along with LOE to cure or verification of updated amounts.<br>Buyer Comment (2025-09-15): please see corrected CD uploaded [redacted] which included property taxes in non-escrowed payments over [redacted] year section<br>Reviewer Comment (2025-09-12): PCCD provided discloses Page [redacted]non-escrowed Property Costs Over Year [redacted]as $[redacted]. Total non-escrowed property costs is $[redacted]/month ($[redacted]Property Taxes and $[redacted]HOI). It appears lender did not include property taxes in non-escrowed costs over year[redacted] calculation/disclosure. Please provide LOE and corrected PCCD to cure.<br>Buyer Comment (2025-09-12): corrected CD |  | 09/16/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 399 | 35715331 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-15): [redacted] received valid COC document<br>Buyer Comment (2025-09-12): lock includes cost for exception approval for cash out over guidelines supported by COC resulting in change in lender credit<br>Reviewer Comment (2025-09-12): [redacted]: The Rate lock & COC that was provided in the trailing images was also provided in the original loan package. however, this does not provide sufficient information as to what changed circumstance occurred (as defined under [redacted](e)([redacted])(A)-(F) that resulted in the UW pricing exception of the loan and change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2025-09-11): COC and receipt of LE and CD's supporting change in lender credit uploaded | 09/15/2025 |  |  | 1 C A |  | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 399 | 35715332 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Total cash out of $[redacted]is greater than Guideline total cash-out of $[redacted]. Required lender approval. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] %. | Residual income > $[redacted].<br>Excellent credit management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-22): Lender exception with compensating factors.<br>Reviewer Comment (2025-12-22): ..<br>Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 12/22/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 399 | 35715333 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Reviewer Comment (2025-09-17): [redacted] received PCCD and LOE.<br>Buyer Comment (2025-09-16): updated cd with cover letter<br>Reviewer Comment (2025-09-12): PCCD provided only discloses escrowed flood insurance ($[redacted]). Estimated Taxes Insurance and Assessments required to disclose total monthly property costs (escrowed and non-escrowed) - $[redacted]Property Taxes - Not escrowed, $[redacted]HOI - not escrowed; $[redacted] Flood - escrowed) for a total of $[redacted]in Total Estimated Taxes, Insurance, and Assessments required to be disclosed on page 1<br>Buyer Comment (2025-09-12): corrected cd and initial escrow acct stmt |  | 09/17/2025 |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 400 | 35715335 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, exception cleared.<br>Buyer Comment (2025-09-16): Can you please clarify? Response appears to state there is a different FACTA disclosure in the file, but if so then why was the finding placed?<br> The disclosure tracking document is sufficient to demonstrate the disclosure was sent, as negotiated between [redacted] and [redacted] management.<br>Reviewer Comment (2025-09-16): Referenced disclosure by reviewer is not the same as provided document in file reflecting credit score disclosure.<br>Buyer Comment (2025-09-15): Page [redacted]/[redacted]in XXXX summarizes the disclosures sent and shows the [redacted] - Risk Based Pricing Notice as the second entry in the list. This is the relevant FACTA disclosure. | 09/17/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 400 | 35715338 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-09-17): Alerts updated, exception cleared.<br>Buyer Comment (2025-09-16): That's a display error. The score on page [redacted] will not go above [redacted]with red or yellow flags still open. Attached is the complete version with the answers displayed properly.<br>Reviewer Comment (2025-09-16): High alerts listed on page two that were not cleared.<br>Buyer Comment (2025-09-15): Please clarify. Fraud report is on page [redacted]/[redacted]in XXXX and is complete with a [redacted]score. | 09/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 401 | 35715342 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Insufficient assets to satisfy reserve requirement. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted] %.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] %.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-09-09): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 401 | 35715343 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient assets to satisfy reserve requirement. |  |  |  | Reviewer Comment (2025-09-09): Lender exception with compensating factors, system cleared. | 09/09/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 401 | 35715344 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient assets to satisfy reserve requirement. |  |  |  | Reviewer Comment (2025-09-09): Lender exception with compensating factors, system cleared. | 09/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 401 | 35715345 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 402 | 35715347 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain a mortgage statement for the Borrower's primary residence to reflect if property charges are included (taxes/insurance). |  |  |  | Reviewer Comment (2025-09-16): Mortgage statement received and associated. Exception cleared<br>Buyer Comment (2025-09-15): Please note this document is already in the binder page [redacted]/[redacted].<br>Buyer Comment (2025-09-15): See attached, taxes and insurance are included. | 09/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715348 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing proof of receipt and source of funds for $[redacted] gift at closing. |  |  |  | Reviewer Comment (2025-10-28): Gift Letter and Official Checks documents received and associated. Exception Cleared.<br>Buyer Comment (2025-10-24): Please note, owner and donor of All About Closing cut al checks directly from her account. Checks total the gift of $[redacted]. | 10/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715351 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): proof of delivery | 09/26/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715354 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2025-09-29): accept ev [redacted] grade<br>Reviewer Comment (2025-09-26): Lender on Appraisal differs from the Note. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-09-24): appraisal delivery |  |  | 09/29/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715355 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): appraisal delivery | 09/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715356 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Appraisal Receipt is missing. |  |  |  | Reviewer Comment (2025-09-16): [redacted] received LE. | 09/16/2025 |  |  | 1 B A |  | NY | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715357 |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Appraisal Receipt is missing. |  |  |  | Reviewer Comment (2025-09-16): [redacted] received LE. | 09/16/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715358 |  | 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 [redacted] ([redacted]) business days prior to closing. | Closing Disclosure is required to be provided within [redacted] business days from closing date. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received initial CD.<br>Buyer Comment (2025-09-24): [redacted] CD<br>Reviewer Comment (2025-09-16): [redacted] received disclosure tracking details for the initial CD dated [redacted] send to borrower. But there seems to be no corresponding CD was not located in the loan file as well as trailing image. CD dated [redacted] & [redacted] is only located in file. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower [redacted] business days prior to review.<br>Buyer Comment (2025-09-15): borrower receipt of initial CD | 09/25/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715359 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted]may be required. | Loan Estimate is missing on the file. |  |  |  | Reviewer Comment (2025-09-16): [redacted] received LE.<br>Buyer Comment (2025-09-15): initial LE and borrower receipt of LE | 09/16/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow [redacted] non-permanent resident (guidelines do not allow for [redacted] EAD non-permanent residents). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]+<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-12): Lender Exception with Compensating Factors. |  |  | 09/12/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715362 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing proof of receipt and source of funds for $[redacted] gift at closing. |  |  |  | Reviewer Comment (2025-10-28): Gift Letter and Official Checks documents received and associated. Exception Cleared.<br>Buyer Comment (2025-10-24): Please note, owner and donor of All About Closing cut al checks directly from her account. Checks total the gift of $[redacted]. | 10/28/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715363 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Missing proof of receipt and source of funds for $[redacted]gift at closing. |  |  |  | Reviewer Comment (2025-10-28): Gift Letter and Official Checks documents received and associated. Exception Cleared.<br>Buyer Comment (2025-10-24): Please note, owner and donor of All About Closing cut al checks directly from her account. Checks total the gift of $[redacted]. | 10/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715364 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing proof of receipt and source of funds for $[redacted]gift at closing. |  |  |  | Reviewer Comment (2025-10-28): Gift Letter and Official Checks documents received and associated. Exception Cleared.<br>Buyer Comment (2025-10-24): Please note, owner and donor of All About Closing cut al checks directly from her account. Checks total the gift of $[redacted]. | 10/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715365 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing proof of receipt and source of funds for $[redacted]gift at closing. |  |  |  | Reviewer Comment (2025-10-28): Gift Letter and Official Checks documents received and associated. Exception Cleared.<br>Buyer Comment (2025-10-24): Please note, owner and donor of All About Closing cut al checks directly from her account. Checks total the gift of $[redacted]. | 10/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 403 | 35715366 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker fee not disclosed on final LE dated [redacted]. Cure is required. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received a valid COC<br>Buyer Comment (2025-09-24): [redacted]LE, borrower receipt of LE and COC change in broker comp<br>Buyer Comment (2025-09-24): [redacted] LE, borrower receipt of LE and COC change in broker comp | 09/25/2025 |  |  | 1 A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715367 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee not disclosed on final LE. Cure is required. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-09-24): pccd with cover letter and pr |  | 09/25/2025 |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715368 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increase was not supported by VCC. Cure is required. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-09-24): pccd with cover letter and pr |  | 09/25/2025 |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus 1[redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording fee increased without VCC. |  |  |  | Reviewer Comment (2025-09-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-24): credit applied at closing see page [redacted] of funder cd | 09/25/2025 |  |  | 1 A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715370 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] (f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] % or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-25): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/25/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715371 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-25): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/25/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 403 | 35715372 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-25): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/25/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 404 | 35715375 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 404 | 35715376 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-12): Appraisal delivery uploaded | 09/15/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 405 | 35715379 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The initial escrow disclosure statement reflects an initial deposit of $[redacted]and the Closing Disclosure reflects $[redacted]. |  |  |  | Buyer Comment (2025-09-15): accept |  |  | 09/15/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 405 | 35715380 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Home Loan Toolkit Status | [redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  | Buyer Comment (2025-09-15): accept |  |  | 09/15/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 405 | 35715381 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-09-15): NRTC provided, system cleared.<br>Buyer Comment (2025-09-15): NORTC uploaded | 09/15/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 405 | 35715382 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | The loan file is missing the appraisal transfer letter. |  |  |  | Reviewer Comment (2025-09-15): Transfer letter provided, system cleared.<br>Buyer Comment (2025-09-15): Transfer Letter uploaded | 09/15/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 405 | 35715383 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): delivery evidence uploaded | 09/15/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 405 | 35715384 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): delivery evidence uploaded | 09/15/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 405 | 35715385 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): delivery evidence uploaded | 09/15/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 406 | 35715388 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves not met due to missing sourced EMD. |  |  |  | Reviewer Comment (2025-09-18): Exception cleared - Received proof for EMD in file and reserve requirement meets.<br>Buyer Comment (2025-09-17): bank acct where emd funds were drawn<br>Buyer Comment (2025-09-17): [redacted] EMD deposits verified | 09/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 406 | 35715390 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserves not met due to missing sourced EMD. |  |  |  | Reviewer Comment (2025-09-18): Exception cleared - Received proof for EMD in file and reserve requirement meets.<br>Buyer Comment (2025-09-17): EMD funds | 09/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 406 | 35715391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reserves not met due to missing sourced EMD. |  |  |  | Reviewer Comment (2025-09-18): Exception cleared - Received proof for EMD in file and reserve requirement meets.<br>Buyer Comment (2025-09-17): EMD funds | 09/18/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 406 | 35715392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves not met due to missing sourced EMD. |  |  |  | Reviewer Comment (2025-09-18): Exception cleared - Received proof for EMD in file and reserve requirement meets.<br>Buyer Comment (2025-09-17): EMD funds | 09/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 406 | 35715393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Reserves not met due to missing sourced EMD. |  |  |  | Reviewer Comment (2025-09-18): Exception cleared - Received proof for EMD in file and reserve requirement meets.<br>Buyer Comment (2025-09-17): EMD funds | 09/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 408 | 35715399 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per guidelines. | Borrower has verified disposable income of at least $[redacted].<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>Miscellaneous<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Low housing ration of [redacted]% or less.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-18): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-15): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-09): Lender exception with compensating factors. |  |  | 09/15/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 408 | 35715400 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): appraisal delivery uploaded | 09/15/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 408 | 35715401 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): appraisal delivery uploaded | 09/15/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 408 | 35715402 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-15): Delivery provided, system cleared.<br>Buyer Comment (2025-09-15): appraisal delivery uploaded | 09/15/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 408 | 35715403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The appraisal fee increased to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-19): Cure check uploaded.<br>Reviewer Comment (2025-09-17): [redacted] Received PCCD, LOE, Refund Check and Proof of Mailing; however, Copy of check is cut off. Provide Complete copy of check.<br>Buyer Comment (2025-09-16): PCCD, LOE and cure check uploaded |  | 09/22/2025 |  | 2 C B |  | PA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 409 | 35715406 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted]ompared to the calculated Amount Financed of $[redacted]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 [redacted] | Closing Disclosure reflects Finance Charge of $[redacted]but calculated Finance Charge of $[redacted]. Variance = $[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-10-01): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-30): PCCD, LOE, cure check and proof of delivery uploaded. |  | 10/01/2025 |  | 2 C B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 409 | 35715407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Closing Disclosure reflects Finance Charge of $[redacted]but calculated Finance Charge of $[redacted]. Variance = $[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-10-01): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-09-30): PCCD, LOE, cure check and proof of delivery uploaded. |  | 10/01/2025 |  | 2 C B |  | NJ | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 409 | 35715408 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was disclosed on initial Loan estimate as $-[redacted]but disclosed but final Closing Disclosure $-[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-01): [redacted] Received Corrected PCCD, loe and Payment history.<br>Buyer Comment (2025-09-30): PCCD, LOE and payment history reflecting PR uploaded. |  | 10/01/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 409 | 35715410 |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | The loan file does not document receipt of the $[redacted]in gift funds as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): Gift fund receipt provided, exception cleared.<br>Buyer Comment (2025-09-15): Please see donor statement reflecting $[redacted] wired to escrow on[redacted] and $[redacted] deposited into escrow on [redacted] uploaded. | 09/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 410 | 35715414 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-09-16): Property inspection report received. - Exception Cleared<br>Buyer Comment (2025-09-15): Disaster reinspection report uploaded. | 09/16/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 410 | 35715416 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan file is missing the appraisal transfer letter. |  |  |  | Reviewer Comment (2025-09-16): Transfer letter provided, system cleared.<br>Buyer Comment (2025-09-15): Appraisal transfer letter uploaded. | 09/16/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 411 | 35715418 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br> Excessive Overdrafts. Guidelines allow for[redacted] in the past [redacted] months, Borrower has had [redacted] overdrafts. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | [redacted] on job.<br>Residual income greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts for DPA)<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Lender exception with compensating factors. |  |  | 09/10/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 411 | 35715423 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | A credit report re-issue fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-09-17): Cure already complete. | 09/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 411 | 35715424 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/18/2025 |  | 1 A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 412 | 35715426 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note. |  |  |  | Reviewer Comment (2025-09-16): Appraisal delivery receipt provided. Exception cleared.<br>Buyer Comment (2025-09-15): evidence of appraisal delivery to borrower | 09/16/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 412 | 35715427 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-16): Appraisal delivery receipt provided. Exception cleared.<br>Buyer Comment (2025-09-15): appraisal delivery to borrower | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 412 | 35715428 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note. |  |  |  | Reviewer Comment (2025-09-16): Appraisal delivery receipt provided. Exception cleared.<br>Buyer Comment (2025-09-15): appraisal delivery to borrower uploaded | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 412 | 35715431 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Incomplete mortgage rating (guidelines require cancelled checks or bank statements for all mortgages paid to an individual). | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]on job.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-10): Lender exception with compensating factors. |  |  | 09/10/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 413 | 35715435 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | A second appraisal fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-01): PC CD, LOE, cure check, and delivery uploaded. |  | 10/03/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 414 | 35715436 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-16): Title Preliminary document received in file with policy coverage amount and information updated. Exception Cleared.<br>Buyer Comment (2025-09-15): title report including insured amount uploaded | 09/16/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 414 | 35715440 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-17): Approve<br>Reviewer Comment (2025-09-16): Delivery provided but not within [redacted] business prior to closing. Exception is an [redacted] that can be elected to waive.<br>Buyer Comment (2025-09-15): emailed appraisal report with correction to flood zone and seller concession |  |  | 09/17/2025 | 2 B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 414 | 35715441 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-16): VVOE document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-09-15): emailed appraisal report with correction to flood zone and seller concession, please downgrade the exception to [redacted] for report delivered after closing with no change to value | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 414 | 35715442 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-16): Delivery of appraisal provided, system cleared.<br>Buyer Comment (2025-09-15): emailed appraisal report with correction to flood zone and seller concession, please downgrade the exception to ev2 for report delivered after closing with no change to value | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 414 | 35715444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) | The loan file does not contain a verification of the Borrower's business within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VVOE document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-09-15): s/e vvoe | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 414 | 35715445 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan file does not contain a verification of the Borrower's business within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VVOE document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-09-15): s/e vvoe | 09/16/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 414 | 35715446 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain a verification of the Borrower's business within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VVOE document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-09-15): s/e vvoe | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 414 | 35715447 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan file does not contain a verification of the Borrower's business within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VVOE document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-09-15): s/e vvoe | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 415 | 35715458 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, system cleared.<br>Buyer Comment (2025-09-16): delivery details uploaded. | 09/17/2025 |  |  | 1 B A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 415 | 35715459 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, system cleared.<br>Buyer Comment (2025-09-16): delivery details uploaded | 09/17/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 415 | 35715460 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-17): Delivery provided, system cleared.<br>Buyer Comment (2025-09-16): delivery details uploaded | 09/17/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 415 | 35715461 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-09-24): Cleared.<br>Buyer Comment (2025-09-22): FG uploaded.<br>Reviewer Comment (2025-09-17): There are high alerts reflected on[redacted] that have not been cleared.<br>Buyer Comment (2025-09-16): [redacted] Fraud report shows score of [redacted] is letter from borrower explaining distance from work due to relocation, and VOE documents address all the flags on report. | 09/24/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 416 | 35715464 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-09-25): Cleared.<br>Buyer Comment (2025-09-23): The escrow instructions have been sufficient in all other cases, please double check.<br>Reviewer Comment (2025-09-22): Please provide documentation from title company with updated title policy amount.<br>Buyer Comment (2025-09-18): See attached escrow instructions, page 2. Coverage was increased to match loan amount. | 09/25/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 418 | 35715474 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | There is not evidence in the file that the borrower was provided with the List of Homeownership Counseling Organizations. |  |  |  | Reviewer Comment (2025-09-16): List of Homeownership Counseling received and updated. Exception cleared<br>Buyer Comment (2025-09-15): Homeownership counseling org list uploaded. | 09/16/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 418 | 35715478 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan file does not contain a verification of the borrower's business used for income qualification within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VOE received and updated. exception cleared<br>Buyer Comment (2025-09-15): VOE re-certified [redacted] uploaded. | 09/16/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 418 | 35715479 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) | The loan file does not contain a verification of the borrower's business used for income qualification within [redacted]days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VOE received and updated. exception cleared<br>Buyer Comment (2025-09-15): VOE re-certified [redacted] uploaded. | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 418 | 35715480 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan file does not contain a verification of the borrower's business used for income qualification within [redacted]days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VOE received and updated. exception cleared<br>Buyer Comment (2025-09-15): VOE re-certified [redacted] uploaded. | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 418 | 35715481 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain a verification of the borrower's business used for income qualification within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-09-16): VOE received and updated. Exception cleared<br>Buyer Comment (2025-09-15): VOE certified [redacted] uploaded. | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | 418 | 35715482 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): Sufficient Cure Provided At Closing |  | 09/16/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | 419 | 35715483 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-22): Cleared. | 09/22/2025 |  |  | 1 A |  | CA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 419 | 35715484 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report does not reflect an ALTA Loan Policy amount. Final Title Policy was not provided to verify sufficient title coverage was obtained. |  |  |  | Reviewer Comment (2025-09-22): Cleared.<br>Buyer Comment (2025-09-18): Please see the final Title policy insurance attached<br>Buyer Comment (2025-09-18): Please see the Closing Protection Letter attached. | 09/22/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 419 | 35715485 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The account ending in [redacted]used for closing/reserves reflects a large deposit of $[redacted] that is not sourced and explained as required by guidelines. |  |  |  | Reviewer Comment (2025-09-22): Cleared.<br>Buyer Comment (2025-09-18): Please see attached the source of the deposit for [redacted] | 09/22/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 421 | 35715488 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Evidence of receipt prior to [redacted] business days of closing is missing. |  |  |  | Reviewer Comment (2025-09-24): Cleared.<br>Buyer Comment (2025-09-19): evidence uploaded | 09/24/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 423 | 35715497 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted] | Require[redacted] tax return signed and dated. |  |  |  | Buyer Comment (2025-09-24): accept ev 2<br>Reviewer Comment (2025-09-23): This exception is accurate, though there is an extension, the return provided is not the most recent. This exception is an EV2 and can be waived, loan designation is Non-QM.<br>Buyer Comment (2025-09-19): [redacted] tax extension |  |  | 09/24/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 423 | 35715498 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] Most Recent Tax Return End Date[redacted]Tax Return Due Date [redacted] | Require [redacted]tax return signed and dated. |  |  |  | Buyer Comment (2025-09-24): accept ev2 grade<br>Reviewer Comment (2025-09-23): This exception is accurate, though there is an extension, the return provided is not the most recent. This exception is an EV2 and can be waived, loan designation is Non-QM.<br>Buyer Comment (2025-09-19): [redacted] tax extension filing |  |  | 09/24/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 423 | 35715499 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was disclosed on initial Loan estimate as $-[redacted]but disclosed but final Closing Disclosure $-[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-09-22): [redacted] Received Valid COC along with Approval.<br>Buyer Comment (2025-09-19): COC and non agency loan approval including price adjustment for exception approval resulting in reduced lender credit | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 423 | 35715500 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] ([redacted]) days of application. | ARM disclosure not within [redacted]days from initial application date. |  |  |  | Reviewer Comment (2025-09-23): Received delivery tracking<br>Buyer Comment (2025-09-19): borrower receipt of arm disclosure | 09/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 423 | 35715501 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request as borrower does not meet the seasoning requirement for cash out. (Guidelines require [redacted] months and borrower only has [redacted] months). | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+<br>Residual income greater than $[redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-09-16): Lender Exception with Compensating Factors. |  |  | 09/16/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 424 | 35715503 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Exception provided for NSF/Overdrafts [redacted]With Compensating Factors: Substantial Cash Reserves, Residual income greater than[redacted]on job, Borrower's own funds used for down payment and Excellent credit management. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Excellent credit management with FICO [redacted]+ | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-16): Lender Exception with Compensating Factors. |  |  | 09/16/2025 | 2 B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 425 | 35715508 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received Letter of Explanation, Pay history and Corrected CD.<br>Buyer Comment (2025-09-19): [redacted] is PCCD showing the [redacted] is LOE to borrower, [redacted] is the payhistory |  | 09/22/2025 |  | 2 C B |  | WA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 425 | 35715509 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | The Borrower was qualified with overtime income however, a WVOE was not provided in file as required by guidelines for income to be broken out as well as confirm continuance. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): Please see Final SS reflecting loan disbursed on [redacted] after VOI dated [redacted].<br>Reviewer Comment (2025-09-23): VOI provided is dated post close. Please provide VOI used at origination.<br>Buyer Comment (2025-09-19): VOI showing overtime income uploaded | 09/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 425 | 35715510 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The Borrower was qualified with overtime income however, a WVOE was not provided in file as required by guidelines for income to be broken out as well as confirm continuance. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): Please see Final SS reflecting loan disbursed on[redacted] after VOI dated [redacted].<br>Reviewer Comment (2025-09-23): VOI provided is dated post close. Please provide VOI used at origination.<br>Buyer Comment (2025-09-19): VOI showing overtime income uploaded | 09/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 425 | 35715511 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Borrower was qualified with overtime income however, a WVOE was not provided in file as required by guidelines for income to be broken out as well as confirm continuance. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): Please see Final SS reflecting loan disbursed on [redacted] after VOI dated [redacted].<br>Reviewer Comment (2025-09-23): VOI provided is dated post close. Please provide VOI used at origination.<br>Buyer Comment (2025-09-19): VOI showing overtime income uploaded | 09/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 425 | 35715512 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The Borrower was qualified with overtime income however, a WVOE was not provided in file as required by guidelines for income to be broken out as well as confirm continuance. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): Please see Final SS reflecting loan disbursed on [redacted] after VOI dated [redacted].<br>Reviewer Comment (2025-09-23): VOI provided is dated post close. Please provide VOI used at origination.<br>Buyer Comment (2025-09-19): VOI showing overtime income uploaded | 09/26/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 425 | 35715513 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]ure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/22/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 426 | 35715515 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): uploaded | 09/23/2025 |  |  | 1 B A |  | AL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 427 | 35715519 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] |  |  |  | Reviewer Comment (2025-09-22): [redacted] Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date.<br>Buyer Comment (2025-09-19): PCCD with cover letter and principal reduction applied | 09/22/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 427 | 35715520 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for not meeting[redacted] month reserves requirements but [redacted]months reserves verified and match final [redacted]application. |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): Updated non-agency loan approval | 09/23/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 427 | 35715522 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/22/2025 |  | 1 A |  | AZ | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 428 | 35715527 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-19): accept |  |  | 09/19/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 428 | 35715528 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow waiving of escrows (Guidelines do not allow waiving of Escrows with a FICO of [redacted]). | Borrower has been employed in the same industry for more than[redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Residual income greater than $[redacted].<br>[redacted] on job.<br>LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender provided exception. |  |  | 01/12/2026 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 430 | 35715534 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The loan file reflects a[redacted]deposit into account ending [redacted]used for closing/reserves. The gift funds documented in file in the same amount were sent to closing. Verification of deposited funds required. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | [redacted] on job.<br>Residual income is greater than $[redacted].<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-21): PC exception approval with sufficient CFs uploaded.<br>Reviewer Comment (2025-10-09): Per Final [redacted], Borrower funds = $[redacted](EMD) + $[redacted](Gift.) + $[redacted]() = $[redacted]. The Required transaction funds = $[redacted](POC) + $[redacted](EMD) + $[redacted](gift.) + $[redacted](Funds required at close) = [redacted] (funds from [redacted]) - $[redacted](required funds from pg [redacted] of PC CD) = $[redacted](remaining for reserves). PITIA =[redacted] Borrower funds remaining of[redacted] (required) = [redacted] short. If you have any individual figure that are different from the prior stated amounts, please provide the additional documentation. Account [redacted]has a [redacted] ending balance of [redacted], however [redacted]was omitted and only [redacted] was used as that is what was stated on the final [redacted]. Provided any updated documents to support figures that do not match amounts above.<br>Buyer Comment (2025-10-07): examine [redacted]page [redacted] to see the CD showing CTC of $[redacted]. Based on your math, your CTC is $[redacted]. A difference of $[redacted]. However, look at page [redacted] to see gift. Therefore your CTC figure is too high.<br>Buyer Comment (2025-10-07): Yes, the gift is NOT included in reserves, but it does bring down the CTC by $[redacted].<br>Reviewer Comment (2025-10-06): Total verified funds are $[redacted]. CTC + POC + EMD =$[redacted]. Reserves=[redacted] months). Please note Gift funds and EMD are not included in reserves.<br>Buyer Comment (2025-10-01): based on your most recent calculation of CTC+POC+EMD = $[redacted], this means that $[redacted]- $[redacted](POC) - $[redacted](EMD) = CTC of $[redacted]. However the true CTC is $[redacted]as shown on most recent CD [redacted]as the gift of $[redacted]brough to closing by[redacted] is annotated on page [redacted], section L, line# [redacted]. Therefore, [redacted] / PITIA[redacted] months<br>Reviewer Comment (2025-09-26): total verified funds are [redacted]. CTC + POC + EMD =$[redacted]. Reserves=[redacted]months).<br>Buyer Comment (2025-09-24): Verified assets of Capital One acct[redacted] (excluding [redacted]unverified deposit) - CTC $[redacted]CD dated[redacted]months reserves meets guideline requirement.<br>Reviewer Comment (2025-09-23): Excluding the $[redacted]results in insufficient reserves. Calculated PITIA months reserves will result in [redacted]is less than guideline PITIA months reserves of [redacted].<br>Buyer Comment (2025-09-19): Loan file reflects amount in [redacted]as $[redacted], even though statement shows $[redacted], as the UW backed-out $[redacted]that could not be sourced. [redacted]shows the gift was sent directly to closing, and the $[redacted]deposit that appears on the statement is unrelated and was not calculated in the assets. |  |  | 10/28/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 430 | 35715535 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | total verified funds are[redacted] CTC + POC + EMD =[redacted] Reserves=[redacted]months. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | [redacted] on job.<br>Residual income is greater than $[redacted].<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-10-21): PC exception approval with sufficient CFs uploaded.<br>Reviewer Comment (2025-10-09): Per Final [redacted], Borrower funds = $[redacted](EMD) + $[redacted](Gift.) + [redacted]. The Required transaction funds = $[redacted](POC) + $[redacted](EMD) + $[redacted](gift.) + $[redacted](Funds required at close) = [redacted](funds from [redacted]) - $[redacted](required funds from pg [redacted]of PC CD) = $[redacted](remaining for reserves). PITIA =$[redacted]. Borrower funds remaining of [redacted](required) = -$[redacted]short. If you have any individual figure that are different from the prior stated amounts, please provide the additional documentation. Account [redacted]has a[redacted] ending balance of $[redacted], however $[redacted]was omitted and only $[redacted]was used as that is what was stated on the final [redacted]. Provided any updated documents to support figures that do not match amounts above.<br>Buyer Comment (2025-10-07): examine [redacted]page [redacted] to see the CD showing CTC of $[redacted]. Based on your math, your CTC is $[redacted]. A difference of $[redacted]. However, look at page [redacted] to see gift. Therefore your CTC figure is too high.<br>Reviewer Comment (2025-10-06): Total verified funds are $[redacted]. CTC + POC + EMD =$[redacted]. Reserves=$[redacted]([redacted]months). Please note Gift funds and EMD are not included in reserves.<br>Buyer Comment (2025-10-01): based on your most recent calculation of CTC+POC+EMD = $[redacted], this means that $[redacted]- $[redacted](POC) - $[redacted](EMD) = CTC of $[redacted]. However the true CTC is $[redacted]as shown on most recent CD [redacted]as the gift of $[redacted]brough to closing by[redacted] is annotated on page [redacted]section L, line# [redacted]. Therefore, $[redacted]-/ PITIA $[redacted]= [redacted]months |  |  | 10/28/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 430 | 35715536 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient reserves. |  |  |  | Reviewer Comment (2025-10-28): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-10-21): PC exception approval with sufficient CFs uploaded.<br>Reviewer Comment (2025-10-09): Per Final [redacted], Borrower funds = $[redacted](EMD) + $[redacted](Gift.) + [redacted] The Required transaction funds = $[redacted](POC) + $[redacted](EMD) + $[redacted](gift.) + $[redacted](Funds required at close) =[redacted](funds from [redacted]) [redacted](required funds from pg [redacted] of PC CD) = $[redacted](remaining for reserves). PITIA =[redacted]. Borrower funds remaining of $[redacted]- $[redacted](required) = -$[redacted]short. If you have any individual figure that are different from the prior stated amounts, please provide the additional documentation. Account [redacted]has a [redacted] ending balance of $[redacted], however $[redacted]was omitted and only $[redacted]was used as that is what was stated on the final [redacted]. Provided any updated documents to support figures that do not match amounts above.<br>Buyer Comment (2025-10-07): examine [redacted]page [redacted] to see the CD showing CTC of $[redacted]. Based on your math, your CTC is $[redacted]. A difference of $[redacted]. However, look at page [redacted] to see gift. Therefore your CTC figure is too high.<br>Reviewer Comment (2025-10-06): Total verified funds are $[redacted]. CTC + POC + EMD =$[redacted]. Reserves=$[redacted]([redacted]months). Please note Gift funds and EMD are not included in reserves.<br>Buyer Comment (2025-10-01): based on your most recent calculation of CTC+POC+EMD = $[redacted], this means that $[redacted]- $[redacted](POC) - $[redacted](EMD) = CTC of $[redacted]However the true CTC is $[redacted]as shown on most recent CD [redacted]as the gift of $[redacted]brough to closing by [redacted] is annotated on page [redacted], section L, line# [redacted] Therefore, [redacted]/ PITIA [redacted] months | 10/28/2025 |  |  | 1 A |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 430 | 35715537 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves provided |  |  |  | Reviewer Comment (2025-10-28): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-10-21): PC exception approval with sufficient CFs uploaded.<br>Reviewer Comment (2025-10-09): Per Final [redacted], Borrower funds = $[redacted](EMD) + $[redacted](Gift.) + $[redacted]([redacted]) = $[redacted]. The Required transaction funds = $[redacted](POC) + $[redacted](EMD) + $[redacted](gift.) + $[redacted](Funds required at close) = $[redacted].&nbsp;&nbsp;&nbsp;&nbsp; $(funds from [redacted]) - $[redacted](required funds from pg [redacted]of PC CD) = $[redacted](remaining for reserves). PITIA =$[redacted] Borrower funds remaining of $[redacted](required) = -$[redacted]short. If you have any individual figure that are different from the prior stated amounts, please provide the additional documentation. Account [redacted]has a [redacted]ending balance of $[redacted], however $[redacted]was omitted and only $[redacted]was used as that is what was stated on the final 1003. Provided any updated documents to support figures that do not match amounts above.<br>Buyer Comment (2025-10-07): examine [redacted]page[redacted] to see the CD showing CTC of $[redacted]. Based on your math, your CTC is $[redacted]. A difference of $[redacted]. However, look at page [redacted] to see gift. Therefore your CTC figure is too high.<br>Reviewer Comment (2025-10-06): Total verified funds are $[redacted]. CTC + POC + EMD =$[redacted]. Reserves=$[redacted]([redacted]months). Please note Gift funds and EMD are not included in reserves.<br>Buyer Comment (2025-10-01): based on your most recent calculation of CTC+POC+EMD = $[redacted], this means that $[redacted]- $[redacted](POC) - $[redacted](EMD) = CTC of $[redacted]. However the true CTC is[redacted] as shown on most recent CD [redacted]as the gift of $[redacted]brough to closing by [redacted]is annotated on page [redacted] section L, line# [redacted]. Therefore,[redacted] / PITIA [redacted]months | 10/28/2025 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 431 | 35715539 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | No Documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-23): cleared<br>Buyer Comment (2025-09-19): Evidence of delivery uploaded | 09/23/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 431 | 35715541 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Disclosures | Unable to determine if the Other Disclosures section of the Final Closing Disclosure provided on ([redacted]) was completed as expected due to missing information. | Final CD issued on [redacted] was signed on[redacted]resulting in the transaction date of [redacted] even though Notary date was earlier. |  |  |  | Reviewer Comment (2025-10-02): [redacted]received LOA indicating incorrect signing date on final CD.<br>Buyer Comment (2025-10-01): Corrected PC CD uploaded to another condition | 10/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715542 |  | 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 [redacted] prior to [redacted] ([redacted]) business days from transaction date of[redacted] | Final CD issued on [redacted] was signed on [redacted] resulting in the transaction date of[redacted] even though Notary date was earlier. |  |  |  | Reviewer Comment (2025-09-23): Material disclosures received on[redacted]CD. Exception cleared.<br>Buyer Comment (2025-09-19): NORTC uploaded | 09/23/2025 |  |  | 1 C A |  | TX | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715543 |  | 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). | Final CD issued on [redacted]was signed on [redacted]resulting in the transaction date of [redacted] even though Notary date was earlier. |  |  |  | Reviewer Comment (2025-09-23): Material disclosures received on [redacted] CD. Exception cleared.<br>Buyer Comment (2025-09-19): NORTC uploaded | 09/23/2025 |  |  | 1 C A |  | TX | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | A Collateral Desktop Analysis fee of $[redacted]was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-03): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-01): PCCD LOE and pay history uploaded |  | 10/03/2025 |  | 2 C B |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715545 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | A Document Preparation fee of $[redacted]was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-03): [redacted]received LOX stating document preparation and Attorney fee are same.<br>Buyer Comment (2025-10-01): Fee name variation attestation and original LE uploaded. | 10/03/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715546 |  | 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 [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted]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. | The earliest dated E-Consent is [redacted] which was after the date of the initial Loan Estimate provided electronically issued [redacted] |  |  |  | Reviewer Comment (2025-09-22): [redacted]received disclosures summary to confirm LE sent by mail.<br>Buyer Comment (2025-09-19): doc shows [redacted] disclosures were sent by mail, therefore e-consent N/A | 09/22/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 431 | 35715548 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The VVOEs in file for both Borrowers are not dated within [redacted]days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-10-09): Cleared<br>Buyer Comment (2025-10-07): VVOE was completed in the proper timeframe for closing, and the [redacted] CD is a PC CD. | 10/09/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715549 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | The VVOEs in file for both Borrowers are not dated within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-10-09): Cleared<br>Buyer Comment (2025-10-07): VVOE was completed in the proper timeframe for closing, and the [redacted]CD is a PC CD | 10/09/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 431 | 35715550 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | The credit report increased to [redacted] without a valid change of circumstance (invoice not present in file). Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-22): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-19): [redacted]is CD showing lender credit for closing costs limit of $[redacted]on page [redacted] section [redacted]. | 09/22/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 431 | 35715551 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The VVOEs for both Borrowers are not dated within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-10-09): Cleared<br>Buyer Comment (2025-10-07): VVOE was completed in the proper timeframe for closing, and the [redacted] CD is a PC CD | 10/09/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 431 | 35715552 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The VVOEs for both Borrowers are not dated within [redacted] days of closing as required by guidelines. |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): VVOE was completed in the proper timeframe for closing, and the [redacted] CD is a PC CD | 10/09/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 432 | 35715555 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company Not Licensed at time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not NMLS licensed or registered at time of application. |  |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): NMLS information at time of application and closing | 09/23/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 432 | 35715556 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to DTI being greater than [redacted] . [redacted] months personal bank statement used to qualify. Lender is using [redacted] deposits / [redacted] months and using [redacted] expense factor for total income used to qualify [redacted] .month. We only verified [redacted] /month causing DTI to be [redacted] % which exceed [redacted] maximum DTI. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): see loe borrower provided regarding business being service based not product based which resulted in expense factor update<br>Reviewer Comment (2025-09-23): Initial expense factor of [redacted]% was used in the income calculation, however, the trailing docs reflect [redacted]% expense factor was used. The file is missing explanation/justification for using a lower expense factor.<br>Buyer Comment (2025-09-19): updated bsa, income breakdown, 1008, urla, and approval | 09/26/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 432 | 35715558 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted] . (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | [redacted] months personal bank statement used to qualify. Lender is using [redacted] deposits / [redacted] months and using [redacted] expense factor for total income used to qualify [redacted] .month. We only verified [redacted] /month causing DTI to be [redacted] which exceed [redacted] maximum DTI. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): see loe borrower provided regarding business being service based not product based which resulted in expense factor update<br>Reviewer Comment (2025-09-23): Initial expense factor of [redacted]% was used in the income calculation, however, the trailing docs reflect [redacted]% expense factor was used. The file is missing explanation/justification for using a lower expense factor.<br>Buyer Comment (2025-09-19): updated bsa, income breakdown, 1008, urla, and approval | 09/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 432 | 35715559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-09-22): [redacted]received a valid COC.<br>Buyer Comment (2025-09-19): lock, coc, and borrower receipt of updated cd reflecting change in pricing due to pricing adjustments | 09/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 432 | 35715560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-10-02): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-09-30): pccd with cover letter<br>Buyer Comment (2025-09-30): Principal reduction<br>Reviewer Comment (2025-09-23): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. ([redacted])<br>Reviewer Comment (2025-09-22): [redacted]Lender Credit and Lender Cure are different amounts. Provided lender Credit $[redacted]cannot be consider as lender cure as Cure amount is not mentioned under section [redacted] inner column. If Lender credit $[redacted]is provided for exceeding Survey fee than provide Corrected pCCD AND loe updated with $[redacted]under section [redacted] inner column.<br>Buyer Comment (2025-09-19): funder cd with lender credit applied at closing |  | 10/02/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 432 | 35715561 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of [redacted] . [redacted] months personal bank statement used to qualify. Lender is using [redacted] deposits / [redacted] months and using [redacted] expense factor for total income used to qualify [redacted] .month. We only verified [redacted] /month causing DTI to be [redacted] % which exceed [redacted] maximum DTI. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): see loe borrower provided regarding business being service based not product based which resulted in expense factor update<br>Reviewer Comment (2025-09-23): Initial expense factor of [redacted]% was used in the income calculation, however, the trailing docs reflect [redacted]% expense factor was used. The file is missing explanation/justification for using a lower expense factor.<br>Buyer Comment (2025-09-19): updated bsa, income breakdown, 1008, urla, and approval | 09/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 432 | 35715562 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of [redacted] . [redacted] months personal bank statement used to qualify. Lender is using [redacted] deposits / [redacted] months and using [redacted] expense factor for total income used to qualify [redacted] .month. We only verified [redacted] /month causing DTI to be [redacted] which exceed [redacted] maximum DTI. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): see loe borrower provided regarding business being service based not product based which resulted in expense factor update<br>Reviewer Comment (2025-09-23): Initial expense factor of [redacted]% was used in the income calculation, however, the trailing docs reflect [redacted]% expense factor was used. The file is missing explanation/justification for using a lower expense factor.<br>Buyer Comment (2025-09-19): updated bsa, income breakdown, 1008, urla, and approval | 09/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 432 | 35715563 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] months personal bank statement used to qualify. Lender is using [redacted] deposits / [redacted] months and using [redacted] expense factor for total income used to qualify [redacted] .month. We only verified [redacted] /month causing DTI to be [redacted] which exceed [redacted] maximum DTI. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): see loe borrower provided regarding business being service based not product based which resulted in expense factor update<br>Reviewer Comment (2025-09-23): Initial expense factor of [redacted] was used in the income calculation, however, the trailing docs reflect [redacted] expense factor was used. The file is missing explanation/justification for using a lower expense factor.<br>Buyer Comment (2025-09-19): updated bsa, income breakdown, 1008, urla, and approval | 09/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 432 | 35715565 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [redacted] months personal bank statement used to qualify. Lender is using [redacted] deposits / [redacted] months and using [redacted] expense factor for total income used to qualify [redacted] .month. We only verified [redacted] /month causing DTI to be [redacted] which exceed[redacted] maximum DTI. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-24): see loe borrower provided regarding business being service based not product based which resulted in expense factor update<br>Reviewer Comment (2025-09-23): Initial expense factor of [redacted] was used in the income calculation, however, the trailing docs reflect [redacted] expense factor was used. The file is missing explanation/justification for using a lower expense factor.<br>Buyer Comment (2025-09-19): updated bsa, income breakdown, 1008, urla, and approval | 09/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 433 | 35715567 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No Documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): appraisal delivery uploaded | 09/23/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 433 | 35715569 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines require [redacted] months reserves and only [redacted] months verified. 1008 states [redacted] verified assets and verified assets is only [redacted] and required cash from borrower is [redacted] leaving only [redacted] months reserves. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-25): refund check<br>Buyer Comment (2025-09-25): re-upload of CD and final settlement statement with refund to borrower applied<br>Buyer Comment (2025-09-25): please note prior upload [redacted] CD and final settlement stmt supporting refund to borrower [redacted] funds to close [redacted] proration of taxes and [redacted] closing costs credit. Funder CD cash to close [redacted] refund [redacted] total funds to close. Verified assets [redacted] remaining available balance [redacted] reserves<br>Buyer Comment (2025-09-24): uploaded appraisal invoice<br>Buyer Comment (2025-09-24): acct ending [redacted] balance before funds were transferred to title should be included in qualifying [redacted] , see loan file doc [redacted] and previous upload to condition [redacted] . Please update LAS report with correct balance<br>Reviewer Comment (2025-09-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] .<br>Reviewer Comment (2025-09-23): Trailing bank statement [redacted] dated [redacted] reflects a lower closing balance of $[redacted] resulting in sufficient funds for reserves.<br>Buyer Comment (2025-09-19): Uploaded updated bank statements with current balance prior to closing and pccd with evidence of funds refunded to borrower supporting sufficient funds to close and reserves | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 433 | 35715570 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guidelines require [redacted] months reserves and only [redacted] months verified. 1008 states [redacted] verified assets and verified assets is only [redacted] and required cash from borrower is [redacted] leaving only [redacted] months reserves. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-25): refund check<br>Buyer Comment (2025-09-25): re-upload of CD and final settlement statement with refund to borrower applied<br>Buyer Comment (2025-09-25): please note prior upload [redacted] CD and final settlement stmt supporting refund to borrower[redacted] . EMD [redacted] funds to close [redacted] proration of taxes and [redacted] closing costs credit. Funder CD cash to close [redacted] refund [redacted] total funds to close. Verified assets [redacted] remaining available balance [redacted] reserves<br>Buyer Comment (2025-09-24): uploaded appraisal invoice<br>Buyer Comment (2025-09-24): acct ending [redacted] balance before funds were transferred to title should be included in qualifying [redacted] , see loan file doc [redacted] and previous upload to condition [redacted] . Please update [redacted] report with correct balance<br>Reviewer Comment (2025-09-23): Trailing bank statement [redacted] dated [redacted] reflects a lower closing balance of $[redacted] resulting in sufficient funds for reserves.<br>Buyer Comment (2025-09-19): Uploaded updated bank statements with current balance prior to closing and pccd with evidence of funds refunded to borrower supporting sufficient funds to close and reserves | 09/26/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 433 | 35715571 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guidelines require [redacted] months reserves and only [redacted] months verified. 1008 states [redacted] verified assets and verified assets is only [redacted] and required cash from borrower is [redacted] leaving only [redacted] months reserves. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-25): refund check<br>Buyer Comment (2025-09-25): re-upload of CD and final settlement statement with refund to borrower applied<br>Buyer Comment (2025-09-25): please note prior upload [redacted] CD and final settlement stmt supporting refund to borrower [redacted] funds to close [redacted] proration of taxes and [redacted] closing costs credit. Funder CD cash to close [redacted] refund [redacted] total funds to close. Verified assets [redacted] remaining available balance [redacted] reserves<br>Buyer Comment (2025-09-24): uploaded appraisal invoice<br>Buyer Comment (2025-09-24): acct ending [redacted] balance before funds were transferred to title should be included in qualifying [redacted] , see loan file doc [redacted] and previous upload to condition [redacted] . Please update [redacted] report with correct balance<br>Reviewer Comment (2025-09-23): Trailing bank statement [redacted] dated [redacted] reflects a lower closing balance of [redacted] resulting in sufficient funds for reserves.<br>Buyer Comment (2025-09-19): Uploaded updated bank statements with current balance prior to closing and pccd with evidence of funds refunded to borrower supporting sufficient funds to close and reserves | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 433 | 35715572 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Guidelines require [redacted] months reserves and only [redacted] months verified. 1008 states [redacted] verified assets and verified assets is only [redacted] and required cash from borrower is [redacted] leaving only [redacted] months reserves. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-25): refund check<br>Buyer Comment (2025-09-25): re-upload of CD and final settlement statement with refund to borrower applied<br>Buyer Comment (2025-09-25): please note prior upload[redacted] CD and final settlement stmt supporting refund to borrower[redacted] funds to close +[redacted] proration of taxes and [redacted] closing costs credit. Funder CD cash to close [redacted] refund = [redacted] total funds to close. Verified assets [redacted] remaining available balance [redacted] reserves<br>Buyer Comment (2025-09-24): uploaded appraisal invoice<br>Buyer Comment (2025-09-24): acct ending [redacted] balance before funds were transferred to title should be included in qualifying [redacted] , see loan file doc [redacted] and previous upload to condition [redacted] . Please update [redacted] report with correct balance<br>Reviewer Comment (2025-09-23): Trailing bank statement [redacted] dated [redacted] reflects a lower closing balance of [redacted] resulting in sufficient funds for reserves.<br>Buyer Comment (2025-09-19): Uploaded updated bank statements with current balance prior to closing and pccd with evidence of funds refunded to borrower supporting sufficient funds to close and reserves | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 433 | 35715573 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Guidelines require [redacted] months reserves and only [redacted] months verified. 1008 states [redacted] verified assets and verified assets is only [redacted] and required cash from borrower is [redacted] leaving only [redacted] months reserves. |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-25): refund check<br>Buyer Comment (2025-09-25): re-upload of CD and final settlement statement with refund to borrower applied<br>Buyer Comment (2025-09-25): please note prior upload[redacted] CD and final settlement stmt supporting refund to borrower [redacted] . EMD [redacted] funds to close[redacted] proration of taxes and [redacted] closing costs credit. Funder CD cash to close [redacted] refund = [redacted] total funds to close. Verified assets [redacted] remaining available balance [redacted] reserves<br>Buyer Comment (2025-09-24): uploaded appraisal invoice<br>Buyer Comment (2025-09-24): acct ending [redacted] balance before funds were transferred to title should be included in qualifying [redacted] , see loan file doc [redacted] and previous upload to condition [redacted] . Please update [redacted] report with correct balance<br>Reviewer Comment (2025-09-23): Trailing bank statement [redacted] dated[redacted] reflects a lower closing balance of $[redacted] resulting in sufficient funds for reserves.<br>Buyer Comment (2025-09-19): Uploaded updated bank statements with current balance prior to closing and pccd with evidence of funds refunded to borrower supporting sufficient funds to close and reserves | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 433 | 35715574 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying assets for Closing of [redacted] is less than cash from borrower [redacted] . |  |  |  | Reviewer Comment (2025-09-26): Cleared.<br>Buyer Comment (2025-09-25): refund check<br>Buyer Comment (2025-09-25): re-upload of CD and final settlement statement with refund to borrower applied<br>Buyer Comment (2025-09-25): please note prior upload [redacted] CD and final settlement stmt supporting refund to borrower [redacted] . EMD [redacted] funds to close [redacted] proration of taxes and [redacted] closing costs credit. Funder CD cash to close [redacted] refund [redacted] total funds to close. Verified assets [redacted] remaining available balance =[redacted] reserves<br>Buyer Comment (2025-09-24): uploaded appraisal invoice<br>Buyer Comment (2025-09-24): acct ending [redacted] balance before funds were transferred to title should be included in qualifying [redacted] , see loan file doc [redacted] and previous upload to condition [redacted] . Please update [redacted] report with correct balance | 09/26/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 434 | 35715575 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-06): [redacted] received [redacted].<br>Buyer Comment (2025-10-03): Attached to [redacted]<br>Reviewer Comment (2025-09-25): Trailing document same as the previously provided. Exception remains.<br>Buyer Comment (2025-09-23): Attached provided at closing. | 10/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 434 | 35715577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2025-10-06): [redacted] received [redacted].<br>Buyer Comment (2025-10-03): Attached is the corrected version which has been emailed to the borrower.<br>Reviewer Comment (2025-09-24): Final CD reflects Monthly escrow of [redacted] which matches to page [redacted] of escrowed amounts. However, the Initial Escrow Accoiunt Disclosure reflects the escrow month is [redacted] . Monthly escrow payment and the initial escrow payment does not match to page [redacted] figures.<br>Buyer Comment (2025-09-23): Escrow payment of [redacted] is correct, with [redacted] property taxes and [redacted] hazard insurance. HOA dues are not escrowed. | 10/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 434 | 35715578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2025-10-06): [redacted] received IEAD.<br>Buyer Comment (2025-10-03): Attached to [redacted]<br>Reviewer Comment (2025-09-24): Final CD reflects Monthly escrow of [redacted] which matches to page [redacted] of escrowed amounts. However, the Initial Escrow Accoiunt Disclosure reflects the escrow month is [redacted] Monthly escrow payment and the initial escrow payment does not match to page [redacted] figures.<br>Buyer Comment (2025-09-23): Appears as [redacted] , please clarify if not. | 10/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 434 | 35715581 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-18): Sufficient Cure Provided At Closing |  | 09/18/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 435 | 35715583 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves required is [redacted] months and only [redacted] months verified. Final 1003 application state [redacted] acct [redacted] had a balance of [redacted] and only [redacted] verified causing short reserves. |  |  |  | Reviewer Comment (2025-09-25): Cleared.<br>Buyer Comment (2025-09-23): Please cite the guideline requiring the receipt of funds when confirmation of the wire and asset statements have already been confirmed.<br>Reviewer Comment (2025-09-23): Missing acknowledgement of receipt of funds from title company.<br>Buyer Comment (2025-09-19): In [redacted] account [redacted] , borrower deposited $[redacted] of which was then wired on [redacted] to pay the funds to close. All remaining assets were then credited toward reserves, significantly exceeding required reserves. The bank statement in [redacted] shows the withdrawal, attached is the confirmation. | 09/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 435 | 35715584 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-23): Cleared.<br>Buyer Comment (2025-09-19): The appraisal was mailed to the borrower on [redacted] , see internal log. | 09/23/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 435 | 35715585 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reserves required is [redacted] months and only [redacted] months verified. Final 1003 application state Bluevine acct [redacted] had a balance of [redacted] and only [redacted] verified causing short reserves. |  |  |  | Reviewer Comment (2025-09-25): Cleared<br>Buyer Comment (2025-09-23): Please see finding [redacted]<br>Reviewer Comment (2025-09-23): Missing acknowledgement of receipt of funds from title company.<br>Buyer Comment (2025-09-19): Please see finding [redacted] | 09/25/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 435 | 35715586 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reserves required is [redacted] months and only [redacted] months verified. Final 1003 application state [redacted] acct [redacted] had a balance of [redacted] and only [redacted] verified causing short reserves. |  |  |  | Reviewer Comment (2025-09-25): Cleared<br>Buyer Comment (2025-09-23): Please see finding [redacted]<br>Reviewer Comment (2025-09-23): Missing acknowledgement of receipt of funds from title company.<br>Buyer Comment (2025-09-19): Please see finding [redacted] | 09/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 435 | 35715588 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Cure provided and no valid COC provided. |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided At Closing |  | 09/17/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 435 | 35715589 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Reserves required is [redacted] months and only [redacted] months verified. Final 1003 application state [redacted] acct [redacted] had a balance of [redacted] and only [redacted] verified causing short reserves. |  |  |  | Reviewer Comment (2025-09-25): Cleared<br>Buyer Comment (2025-09-23): Please see finding [redacted]<br>Reviewer Comment (2025-09-23): Missing acknowledgement of receipt of funds from title company.<br>Buyer Comment (2025-09-19): Please see finding [redacted] | 09/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 435 | 35715590 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserves required is [redacted] months and only [redacted] months verified. Final 1003 application state Bluevine acct [redacted] had a balance of [redacted] and only [redacted] verified causing short reserves. |  |  |  | Reviewer Comment (2025-09-25): Cleared.<br>Buyer Comment (2025-09-23): Please see finding [redacted]<br>Reviewer Comment (2025-09-23): Missing acknowledgement of receipt of funds from title company.<br>Buyer Comment (2025-09-19): Please see finding [redacted] | 09/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 436 | 35715593 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-09-22): Cleared.<br>Buyer Comment (2025-09-18): Please see the Homeownership Counseling List attached. | 09/22/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 436 | 35715594 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] . Insufficient or no cure was provided to the borrower. | [redacted] percent tolerance fee exceeded total of [redacted] exceeds threshold of [redacted] (increases in doc prep and recording fees). Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided within [redacted]Days of Closin and prior to discovery date.<br>Buyer Comment (2025-09-18): Please see PCCD & Pymt history showing a cure for $[redacted]due to an increase in settlement charges. | 09/19/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 436 | 35715595 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | As per Provided mortgage history on credit report this is same lender refinance transaction, received Right to received for H-8 instead of H-9 |  |  |  | Buyer Comment (2025-09-18): Accepted |  |  | 09/18/2025 | 2 B |  | TX | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 436 | 35715596 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] plus [redacted] or [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided within [redacted]Days of Closing |  | 09/19/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 437 | 35715599 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Fee changed without a valid CofC. CofC at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2025-09-18): Cure already completed, see attached. | 09/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 437 | 35715600 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided within [redacted]Days of Closing |  | 09/19/2025 |  | 1 A |  | NY | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 438 | 35715604 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee increased from [redacted] , an increase of [redacted] , without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2025-09-22): Please see PCCD & pymt history attached showing a cure for a total of $[redacted], which includes $[redacted]for an increase in appraisal fee and $[redacted]for an increase in credit report fee. | 09/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 438 | 35715605 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee increased from S[redacted] to [redacted] , an increase of [redacted] , without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2025-09-22): Please see PCCD & pymt history attached showing a cure for a total of $[redacted], which includes $[redacted]for an increase in appraisal fee and $[redacted]for an increase in credit report fee. | 09/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 438 | 35715606 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for rural property. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Borrower's own funds used for down payment and closing (no gifts or DPA).<br>Excellent credit management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-18): Lender Exception with Compensating Factors. |  |  | 09/18/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 438 | 35715607 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided within [redacted]Days of Closing |  | 09/23/2025 |  | 1 A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 438 | 35715608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided within [redacted]Days of Closing |  | 09/23/2025 |  | 1 A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 439 | 35715611 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-17): Sufficient Cure Provided At Closing |  | 09/17/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 440 | 35715614 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | No evidence of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-09-24): Cleared.<br>Buyer Comment (2025-09-22): Please see proof of appraisal being delivered to bwr on[redacted] more than [redacted]business days of closing. | 09/24/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 440 | 35715616 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Right Not To Close Disclosure not provided on [redacted] . |  |  |  | Buyer Comment (2025-09-24): Accepted<br>Reviewer Comment (2025-09-24): Trailing Right Not To Close Disclosure is dated post close. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-09-22): Please see Right not to Close Disclosure attached. |  |  | 09/24/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 441 | 35715619 |  | 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 2014): List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. | List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. |  |  |  | Buyer Comment (2025-09-22): Accepted |  |  | 09/22/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 441 | 35715620 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower does not meet reserve requirement of [redacted] months. Verified reserves [redacted] months. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Reviewer Comment (2026-01-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted].<br>Buyer Comment (2026-01-21): Appraisal invoice uploaded reflecting paid with cc. Borrower has sufficient reserves. Reserves $[redacted] months reserves. | 01/27/2026 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 442 | 35715622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Lender exception is provided for DTI exceeding guideline of [redacted] .Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. |  |  |  | Reviewer Comment (2025-09-24): Lender exception with compensating factors, system cleared<br>Buyer Comment (2025-09-22): Please note, exception approved by [redacted]and meets exception policy guidelines. Please escalate to [redacted] and [redacted] if reviewer is unable to downgrade and waive exception. | 09/24/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 442 | 35715623 |  | 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 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] moderately exceeds the guideline maximum of [redacted] . (DTI Exception is eligible to be regraded with compensating factors.) | Lender exception is provided for DTI exceeding guideline of [redacted] . Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-24): Lender exception with compensating factors.<br>Buyer Comment (2025-09-22): Please note, exception approved by [redacted]and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 09/24/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 442 | 35715624 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] . [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or $[redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-02): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-09-30): pccd with cover letter<br>Buyer Comment (2025-09-30): principal reduction<br>Reviewer Comment (2025-09-24): [redacted]received valid COC, however in order to re-baseline the [redacted]% fees there need to be an aggregate increase of more than [redacted]% and overall fees did not increase more than [redacted]% on CD dated [redacted]. Additional cure of $[redacted]is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-23): COC for loan amount increase resulting in increased title insurance fee and borrower's receipt of updated CD supporting change in fees. |  | 10/02/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 442 | 35715625 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-23): [redacted]Sufficient cure provided within [redacted]days of the Consummation and prior to discovery date.<br>Buyer Comment (2025-09-22): pccd with cover letter and pr applied | 09/23/2025 |  |  | 1 C A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 442 | 35715626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower for [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . |  |  |  | Reviewer Comment (2025-09-23): [redacted]Sufficient cure provided within [redacted]days of the Consummation and prior to discovery date.<br>Buyer Comment (2025-09-22): pccd with cover letter and pr applied | 09/23/2025 |  |  | 1 C A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 442 | 35715627 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception is approved for LTV of [redacted] exceeding Guideline loan to value percentage of [redacted] . Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-24): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-22): Please note, exception approved by [redacted]and meets exception policy guidelines. Please escalate to[redacted] if reviewer is unable to downgrade and waive exception. |  |  | 09/24/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 442 | 35715628 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Lender exception is approved for DTI of [redacted] exceeding Guideline total debt ratio of [redacted] .Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-24): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-22): Please note, exception approved by [redacted]and meets exception policy guidelines. Please escalate to[redacted] if reviewer is unable to downgrade and waive exception. |  |  | 09/24/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 442 | 35715629 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender exception is approved for DTI of [redacted] exceeding Guideline total debt ratio of [redacted] . Please provide additional compelling compensating factors for consideration of downgrading/waiving exceptions. |  |  |  | Reviewer Comment (2025-09-24): Lender exception with compensating factors, system cleared<br>Buyer Comment (2025-09-22): Please note, exception approved by [redacted]and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. | 09/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 443 | 35715633 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-10-02): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-09-30): [redacted]and PCCD with cover letter |  | 10/02/2025 |  | 2 C B |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 443 | 35715634 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-09-23): [redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-09-22): pccd with cover letter and pr applied |  | 09/23/2025 |  | 2 C B |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 446 | 35715641 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 A |  | CA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 447 | 35715643 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. |  | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-23): Lender Exception with Compensating Factors. |  |  | 09/23/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 447 | 35715644 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see attached proof of appraisal being delivered to bwr on [redacted], three business days before closing | 09/29/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 447 | 35715647 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted].[redacted]is over disclosed by $[redacted]ompared to the calculated Amount Financed of $[redacted]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 [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of [redacted]. |  |  |  | Reviewer Comment (2025-10-29): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-10-28): Trailing document listed as "other" which is page [redacted]of the entire loan file, found in the folder titled "out of scope" is [redacted] Tracking information showing the package was placed at the borrower's front step on [redacted]. Expiration is [redacted]. [redacted] makes [redacted]business days.<br>Reviewer Comment (2025-10-27): [redacted]received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copies of executed RTC's. However, the RTC's were not received by borrower [redacted]business days prior to the cancel by date and the waiting period was not met to reopen rescission. Please provide reopening of rescission to all consumers with a receipt date at least [redacted]business days prior to the cancel by date.<br>Buyer Comment (2025-10-24): PC CD, LOE, Cure check with delivery, signed NORTC with delivery all uploaded.<br>Reviewer Comment (2025-09-29): [redacted]received Corrected CD, LOE to borrower and copy of servicing records reflecting $[redacted]additional to principal. However, as this is a material disclosure violation, restitution in the form of a principal reduction is not acceptable means to cure. A Cure refund check to borrower for at least total underdisclosure of $[redacted], proof of mailing and proof of reopening of rescission to all consumers is required to finalize this cure. Reopening of rescission is also required as it is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-09-26): Could you please see PCCD & Pymt history showing a cure for $[redacted]due to an increase in HOA Certification, which is more than enough to cover the increase in financing charges. this cure was done by the Post Closing dept and is included in the original binder. |  | 10/29/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 447 | 35715648 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of [redacted]. |  |  |  | Reviewer Comment (2025-10-29): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-10-28): Trailing document listed as "other" which is page [redacted]of the entire loan file, found in the folder titled "out of scope" is [redacted] Tracking information showing the package was placed at the borrower's front step on [redacted]. Expiration is[redacted]. [redacted] makes [redacted]business days.<br>Reviewer Comment (2025-10-27): [redacted]received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copies of executed RTC's. However, the RTC's were not received by borrower [redacted]business days prior to the cancel by date and the waiting period was not met to reopen rescission. Please provide reopening of rescission to all consumers with a receipt date at least [redacted]business days prior to the cancel by date.<br>Buyer Comment (2025-10-24): PC CD, LOE, Cure check with delivery, signed NORTC with delivery all uploaded.<br>Reviewer Comment (2025-09-29): [redacted] received Corrected CD, LOE to borrower and copy of servicing records reflecting $[redacted]additional to principal. However, as this is a material disclosure violation, restitution in the form of a principal reduction is not acceptable means to cure. A Cure refund check to borrower for at least total underdisclosure of $[redacted], proof of mailing and proof of reopening of rescission to all consumers is required to finalize this cure. Reopening of rescission is also required as it is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-09-26): Could you please see PCCD & Pymt history showing a cure for $[redacted]due to an increase in HOA Certification, which is more than enough to cover the increase in financing charges. |  | 10/29/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 448 | 35715652 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OK to extend CPA letter as VVOE to [redacted]business days. CPA letter dated [redacted], Note date [redacted]. [redacted]omp factors identified to support. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | [redacted] on job<br>Substantial Cash Reserves<br>Borrower's own funds used tor Down Payment & closing (No Gifts or DPA). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | KY | Primary | Purchase | A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 450 | 35715656 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for Allow [redacted]Additional individuals not on our loan on bank statements being used for income. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income is greater than $[redacted].<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-23): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 450 | 35715659 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided At Closing |  | 09/22/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 451 | 35715660 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see attached 4506t signed and dated for the co-bwr | 09/29/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 451 | 35715663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing 4506- C for [redacted]and [redacted]for co- borrower. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see attached 4506t signed and dated for the co-bwr | 09/29/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 451 | 35715664 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing 4506- C for [redacted] for co- borrower. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see attached 4506t signed and dated for the co-bwr | 09/29/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 451 | 35715667 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to the borrower for [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. |  |  |  | Reviewer Comment (2025-10-06): [redacted]Received Corected PCCD, LOE and Payment history.<br>Buyer Comment (2025-10-03): PCCD, LOE, and pay history uploaded. |  | 10/06/2025 |  | 2 C B |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 452 | 35715669 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-C ([redacted]), 4506-C ([redacted]) missing from file. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see the 4506t form attached, signed and dated by both borrowers. | 09/29/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 452 | 35715670 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): examine [redacted]and see the product is[redacted] CDA, and see that the completed date and delivery date is[redacted], and [redacted] is that CDA, notice the report and delivery date on page 1. Next, examine [redacted] and look at the notes posted on [redacted] where it shows the requested updates are to correct only the address. Even with the mailbox rule, [redacted] business days after [redacted] and the note date is [redacted] appraisal uploaded to show no change to value or material changes to appraisal, only clerical.<br>Reviewer Comment (2025-10-06): The prior delivery receipts do not state whether it's the appraisal or the CDA being sent. The most recent report [redacted]does not state what revision was made in order to know if the value changed from that report to the most recent. Required are copies of reports dated [redacted]and the [redacted]to confirm no changes.<br>Missing evidence that report dated[redacted] was "downloaded" by the borrower so the mailbox rule would apply which would have the borrower not receiving the report within the required [redacted]days.<br>Buyer Comment (2025-10-02): [redacted] is the date of the original appraisal, which was shown to be opened by borrower on[redacted]). Appraisal dated[redacted] is not an appraisal, rather it is a CDA [redacted]), and also delivered and opened by borrower [redacted]). Appraisal dated [redacted] was a revision only to change the address of the original [redacted]appraisal to match USPS data [redacted]). This was confirmed to have been delivered to the borrower [redacted]. There are no other appraisals beyond appraisal effective [redacted](delivered [redacted]) the CDA, and the revised appraisal, delivered[redacted]. See [redacted]page [redacted]to see effective date of [redacted] and signature date of [redacted]. Since the borrower previously consented to e-delivery of appraisal, and appraisal was delivered to same email, though the borrower was not confirmed to have opened this appraisal, would we be able to down grade the condition to EV2 and accept since there was no material change to the appraisal, only a clerical change?<br>Reviewer Comment (2025-10-02): Please provide copies of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of deliveries in file indicates there were earlier reports which are not in the file.<br>Provided is proof appraisal emailed to borrower on[redacted] however, we are missing acknowledgement of receipt by borrower. Evidence of receipt at least [redacted]business days prior to consummation is required.<br>Buyer Comment (2025-09-30): Could you please kindly review one more time or escalate this discrepancy to your team lead or Spv? Per [redacted] Website, the appraisals were delivered to our bwr on [redacted]. Also, see the Consummation CD, which indicates that the date of consummation was[redacted]. What the borrower may have received was an updated or corrected appraisal report that we requested to have an address correction. see attached docs and advise what other information you may need to clear this exception.<br>Reviewer Comment (2025-09-29): Trailing docs missing evidence that borrower received a copy of appraisal dated [redacted] business days prior to closing.<br>Buyer Comment (2025-09-25): Please see attached proof of appraisal being delivered to our bwr on[redacted] and [redacted] | 10/09/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 452 | 35715671 |  | 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 2014): Creditor did not provide a copy of each valuation to applicant [redacted]) business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted]business days to closing. Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] and[redacted] proof of delivery in file indicates there were earlier reports which are not in the file. |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): examine [redacted] and see the product is [redacted] [redacted] CDA, and see that the completed date and delivery date is [redacted] and [redacted] is that CDA, notice the report and delivery date on page 1. Next, examine [redacted] and look at the notes posted on [redacted] where it shows the requested updates are to correct only the address. Even with the mailbox rule, [redacted] business days after [redacted] and the note date is [redacted] appraisal uploaded to show no change to value or material changes to appraisal, only clerical.<br>Reviewer Comment (2025-10-06): The prior delivery receipts do not state whether it's the appraisal or the CDA being sent. The most recent report [redacted] does not state what revision was made in order to know if the value changed from that report to the most recent. Required are copies of reports dated [redacted] and the[redacted] to confirm no changes.<br>Missing evidence that report dated [redacted] was "downloaded" by the borrower so the mailbox rule would apply which would have the borrower not receiving the report within the required[redacted] days.<br>Buyer Comment (2025-10-02): [redacted] is the date of the original appraisal, which was shown to be opened by borrower on [redacted]. Appraisal dated [redacted] is not an appraisal, rather it is a CDA ([redacted]), and also delivered and opened by borrower[redacted] ([redacted]). Appraisal dated [redacted]was a revision only to change the address of the original [redacted] appraisal to match USPS data ([redacted]). This was confirmed to have been delivered to the borrower [redacted]. There are no other appraisals beyond appraisal effective[redacted] (delivered [redacted]) the CDA, and the revised appraisal, delivered [redacted]. See [redacted] page [redacted] to see effective date of[redacted] and signature date of [redacted]. Since the borrower previously consented to e-delivery of appraisal, and appraisal was delivered to same email, though the borrower was not confirmed to have opened this appraisal, would we be able to down grade the condition to EV2 and accept since there was no material change to the appraisal, only a clerical change?<br>Reviewer Comment (2025-10-02): Please provide copies of all appraisal reports and evidence they were provided to the borrower. The [redacted] and [redacted] proof of deliveries in file indicates there were earlier reports which are not in the file.<br>Provided is proof appraisal emailed to borrower on[redacted], however, we are missing acknowledgement of receipt by borrower. Evidence of receipt at least [redacted]business days prior to consummation is required.<br>Buyer Comment (2025-09-30): Could you please kindly review [redacted] more time or escalate this discrepancy to your team lead or [redacted]? Per [redacted] Website, the appraisals were delivered to our bwr on [redacted] and [redacted]. Also, see the Consummation CD, which indicates that the date of consummation was [redacted]. What the borrower may have received was an updated or corrected appraisal report that we requested to have an address correction. see attached docs and advise what other information you may need to clear this exception.<br>Reviewer Comment (2025-09-29): Trailing docs missing evidence that borrower received a copy of appraisal dated [redacted] business days prior to closing.<br>Buyer Comment (2025-09-25): Please see attached proof of appraisal being delivered to our bwr on [redacted] and [redacted] | 10/09/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 452 | 35715673 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see attached initial escrow acct statement signed and dated by bwrs | 09/29/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 452 | 35715674 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan discrepancy due to 4506-C ([redacted]), 4506-C ([redacted]) for both borrowers missing from file. |  |  |  | Reviewer Comment (2025-09-29): Cleared<br>Buyer Comment (2025-09-25): Please see the 4506t form attached, signed and dated by both borrowers. | 09/29/2025 |  |  | 1 B A C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 452 | 35715675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | 4506-C ([redacted]), 4506-C ([redacted]) for both borrowers missing from file. |  |  |  | Reviewer Comment (2025-09-29): Cleared.<br>Buyer Comment (2025-09-25): Please see the 4506t form attached, signed and dated by both borrowers. | 09/29/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 452 | 35715676 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted]due to increase of Recording Fee. $[redacted]No valid COC provided, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-09-22): Sufficient Cure Provided At Closing |  | 09/22/2025 |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 452 | 35715677 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] and [redacted] proof of delivery in file indicates there were earlier reports which are not in the file. |  |  |  | Reviewer Comment (2025-10-02): Cleared.<br>Buyer Comment (2025-09-30): Could you please kindly review [redacted] more time or escalate this discrepancy to your team lead or Spv? Per [redacted] Website, the appraisals were delivered to our bwr on [redacted] and [redacted] [redacted] Also, see the Consummation CD, which indicates that the date of consummation was [redacted]. What the borrower may have received was an updated or corrected appraisal report that we requested to have an address correction. see attached docs and advise what other information you may need to clear this exception.<br>Reviewer Comment (2025-09-29): Trailing docs missing evidence that borrower received a copy of appraisal dated [redacted] business days prior to closing.<br>Buyer Comment (2025-09-25): Please see attached proof of appraisal being delivered to our bwr on[redacted] | 10/02/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 452 | 35715679 |  | 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 2014): Creditor did not provide a copy of revised valuation to applicant [redacted]) business days prior to consummation. | Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on[redacted] which is not [redacted]business days prior to closing. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2025-10-09): Accept |  |  | 10/09/2025 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 454 | 35715683 |  | 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 [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final closing disclosure issue date [redacted]page [redacted]will not have an escrow account reason box not marked. |  |  |  | Reviewer Comment (2025-09-30): [redacted] Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-26): Please see attached PCCD showing corrections on page [redacted] and escrow waiver signed and dated by bwr. |  | 09/30/2025 |  | 2 C B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 454 | 35715684 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-09-26): Accepted |  |  | 09/26/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 455 | 35715685 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer document is not available |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-26): tax consent and 4506c form | 09/30/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 455 | 35715688 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-29): flood notice signed by borrower prior to closing | 09/30/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 455 | 35715690 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-24): Lender Exception with Compensating Factors. |  |  | 09/24/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 455 | 35715692 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | LTV is [redacted]% and maximum LTV allowed with a [redacted]FICO score with cash-out is [redacted]%. |  |  |  | Reviewer Comment (2025-09-24): Lender Exception with Compensating Factors, system cleared | 09/24/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 455 | 35715693 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-24): Sufficient Cure Provided At Closing |  | 09/24/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 456 | 35715697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to Income documentation requirement not met. 4506-C was not provided for coborrower. |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-26): Please see 4506t form attached for both borrowers | 09/30/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 456 | 35715698 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | [redacted]due to Income documentation requirement not met. 4506-C was not provided for coborrower. |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-26): Please see 4506t form attached for both borrowers | 09/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 456 | 35715699 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to increase of Recording fee, Title - Endorsement Fee, Title - Attorney's Fee, Title - Lender's Title Insurance, Title - Abstract / Title Search. No valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-01): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-09-30): Please see PCCD [redacted] Pymt history showing a cure for[redacted] and on page #[redacted] under section [redacted], there is another lender cure for[redacted], the total amount given to the bwr is [redacted], which is enough to cure the increase in transfer taxes for [redacted] and [redacted] for an increase in settlement charges. |  | 10/01/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 456 | 35715700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-01): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-09-30): Please see PCCD [redacted] Pymt history showing a cure for[redacted], and on page # [redacted] under section [redacted], there is another lender cure for [redacted], the total amount given to the bwr is [redacted], which is enough to cure the increase in transfer taxes for[redacted] for an increase in settlement charges. |  | 10/01/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 456 | 35715701 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted]due to Income documentation requirement not met. 4506-C was not provided for Ronald. |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-26): Please see 4506t form attached for both borrowers | 09/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 456 | 35715702 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least[redacted] business days prior to closing. | Provided Loan Estimate was not Signed and dated for [redacted]. |  |  |  | Reviewer Comment (2025-10-01): [redacted] Received Disclosure summary showing LE dated [redacted] received by borrower on [redacted]<br>Buyer Comment (2025-09-30): Could you please review kindly one more time the documents attached? I submitted a total of [redacted] pages; page # [redacted] shows that bwr viewed the LE dated on [redacted], the same date that we generated; page # [redacted] shows an electronic signature from our borrower attesting that the LE dated on [redacted] was signed the same date. pages # [redacted] show that the Consummation CD was signed and dated by our borrower until[redacted], which is more than [redacted] business days after the LE was signed. Advise if you may need any additional documents or information to clear this exception.<br>Reviewer Comment (2025-09-29): [redacted] received disclosure summary, however it doesn't provide document details which document was sent and viewed. Please provide disclosure summary with document details.<br>Buyer Comment (2025-09-26): Please see LE's dated on [redacted] and [redacted], both of which were signed & dated by the borrower on the same date on which they were generated. also see consummation CD signed and dated by bwr until [redacted], which is [redacted] business days after the last LE was signed by the borrower. | 10/01/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 456 | 35715703 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted]due to Income documentation requirement not met. 4506-C was not provided for Ronald. |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-26): Please see 4506t form attached for both borrowers | 09/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 456 | 35715704 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to Income documentation requirement not met. 4506-C was not provided for Ronald. |  |  |  | Reviewer Comment (2025-09-30): Cleared.<br>Buyer Comment (2025-09-26): Please see 4506t form attached for both borrowers | 09/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 459 | 35715716 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment was not provided. |  |  |  | Reviewer Comment (2025-10-03): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-10-01): PCCD and LOE uploaded. |  | 10/03/2025 |  | 2 C B |  | AR | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 459 | 35715718 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted]for loan with no escrow account established. | Final Closing Disclosure provided on [redacted] did not disclose Estimated Property Costs over Year [redacted]for loan with no escrow account established. |  |  |  | Reviewer Comment (2025-10-03): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-10-01): PCCD and LOE uploaded. |  | 10/03/2025 |  | 2 C B |  | AR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 459 | 35715719 |  | 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 [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] does not specify reason why escrow account is being waived. |  |  |  | Reviewer Comment (2025-10-03): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-10-01): PCCD and LOE uploaded. |  | 10/03/2025 |  | 2 C B |  | AR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 462 | 35715728 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  | Reviewer Comment (2025-10-01): [redacted] Received Valid COC dated [redacted]<br>Buyer Comment (2025-09-30): VCOC uploaded. | 10/01/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 464 | 35715735 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing paystubs. |  |  |  | Reviewer Comment (2025-10-28): Paystub received and associated. Exception cleared.<br>Buyer Comment (2025-10-23): Final paystubs to complete [redacted] day consecutive period uploaded.<br>Reviewer Comment (2025-10-03): Per guides pay stub(s) covering the most recent [redacted]-day period required. Paystub provided reflects paid biweekly, therefore, [redacted] paystubs are required.<br>Buyer Comment (2025-10-01): paystubs uploaded | 10/28/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 464 | 35715736 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing paystubs. |  |  |  | Reviewer Comment (2025-10-28): Paystub received and associated. Exception cleared.<br>Buyer Comment (2025-10-23): Final paystubs to complete [redacted]day consecutive period uploaded.<br>Reviewer Comment (2025-10-03): Per guides pay stub(s) covering the most recent [redacted]-day period required. Paystub provided reflects paid biweekly, therefore, [redacted] paystubs are required.<br>Buyer Comment (2025-10-01): paystubs uploaded | 10/28/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 464 | 35715737 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Post close Closing disclosure results $[redacted]. Initial escrow account statement reflects $[redacted]. |  |  |  | Buyer Comment (2025-10-01): accept |  |  | 10/01/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 464 | 35715738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Missing paystubs. |  |  |  | Reviewer Comment (2025-10-28): Paystub received and associated. Exception cleared.<br>Buyer Comment (2025-10-23): Final paystubs to complete [redacted] day consecutive period uploaded.<br>Reviewer Comment (2025-10-03): Per guides pay stub(s) covering the most recent [redacted]-day period required. Paystub provided reflects paid biweekly, therefore, [redacted] paystubs are required.<br>Buyer Comment (2025-10-01): paystubs uploaded | 10/28/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 464 | 35715739 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2025-09-30): accept |  |  | 09/30/2025 | 2 B |  | TX | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 464 | 35715740 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing paystubs. |  |  |  | Reviewer Comment (2025-10-28): Paystub received and associated. Exception cleared.<br>Buyer Comment (2025-10-23): Final paystubs to complete [redacted] day consecutive period uploaded.<br>Reviewer Comment (2025-10-03): Per guides pay stub(s) covering the most recent [redacted]-day period required. Paystub provided reflects paid biweekly, therefore, [redacted] paystubs are required.<br>Buyer Comment (2025-10-01): paystubs uploaded | 10/28/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 466 | 35715742 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-10-01): Cleared.<br>Buyer Comment (2025-09-29): Evidence of delivery uploaded | 10/01/2025 |  |  | 1 B A |  | ID | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 466 | 35715743 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided At Closing |  | 09/23/2025 |  | 1 A |  | ID | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 466 | 35715745 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-21): This property was sold [redacted] per purchase contract. [redacted] | 01/27/2026 |  |  | 1 A |  | ID | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 467 | 35715749 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (2025-10-01): Cleared.<br>Buyer Comment (2025-09-29): Delivery proof uploaded | 10/01/2025 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 467 | 35715750 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive Overdrafts (Guidelines allow for [redacted] in the most recent [redacted] months, actual is [redacted]). | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | [redacted] on job.<br>Documentation Type: [redacted]Bank Statement<br> Disposable Income: $[redacted]<br>LTV [redacted]% lower than matrix.<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 469 | 35715756 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. |  |  |  | Buyer Comment (2025-09-29): accept |  |  | 09/29/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 469 | 35715757 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-09-29): accept |  |  | 09/29/2025 | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 469 | 35715759 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-22): [redacted]Received Corrected Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-21): PC CD, LOE, and cure check and delivery uploaded. non-rescindable transaction |  | 10/22/2025 |  | 2 C B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 469 | 35715760 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-22): [redacted]Received Corrected Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-21): PC CD, LOE, and cure check and delivery uploaded. non-rescindable transaction |  | 10/22/2025 |  | 2 C B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 469 | 35715761 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted]xceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-29): [redacted]is CD showing $[redacted]lender credit for closing costs over legal limit. Cure check being processed for appraisal fees, standby for corrected PC CD, LOE, and cure check with delivery | 10/01/2025 |  |  | 1 C A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 469 | 35715762 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property acreage of [redacted] exceeding the guideline max of[redacted] | Borrower has been employed in the same industry for more than[redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-01): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-29): [redacted]is approval summary listing all compensating factors as well as notes stating the property was review by [redacted]and approved. |  |  | 10/01/2025 | 2 C B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 469 | 35715763 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-22): Sufficient Cure Provided At Closing |  | 10/22/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 471 | 35715767 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date [redacted] is after the Note date [redacted] |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): Homeowner report for borrower's same policy number [redacted]showing effective date of insured [redacted], prior to closing uploaded.<br>Reviewer Comment (2025-10-02): Evidence of HOI required with effective date on or prior Note date is required.<br>Buyer Comment (2025-09-30): transaction is a refinance, therefore the effective date can be after closing. | 10/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 472 | 35715771 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. |  |  |  |  | Buyer Comment (2025-09-30): accept |  |  | 09/30/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 472 | 35715772 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of [redacted] ver legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the fee increase was not provided. |  |  |  | Reviewer Comment (2025-10-22): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-10-21): PC CD, LOE, and payhistory uploaded.<br>Reviewer Comment (2025-10-02): [redacted]Received COC dated [redacted]; however, it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-30): COC resetting tolerance uploaded. |  | 10/22/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 475 | 35715779 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of Recording Fee. [redacted] No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-15): Upon further review consumer within [redacted]% tolerance requirements.<br>Buyer Comment (2025-10-14): Please see attached attestation. Once reviewer includes title examination fee with the baseline, no cure will be required. | 10/15/2025 |  |  | 1 C A |  | IA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 475 | 35715780 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted] exceeds guideline total debt ratio of [redacted] | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted]. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): Client elects to waive with compensating factors. |  |  | 10/01/2025 | 2 B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 475 | 35715781 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property is ineligible. | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $[redacted].<br>Total monthly payment savings of $[redacted]or more per month.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-10-01): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 475 | 35715782 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-10-01): Lender exception with compensating factors, system cleared. | 10/01/2025 |  |  | 1 B A C |  | IA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 475 | 35715783 |  | 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 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has owned the subject property for at least [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous<br>Miscellaneous | Residual income is greater than $[redacted].<br>Total monthly payment savings of $[redacted]or more per month.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-10-01): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 476 | 35715786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-09): [redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on Post CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-08): Already cured, see attached. | 10/09/2025 |  |  | 1 C A |  | IN | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 476 | 35715787 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/09/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 477 | 35715790 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nsufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-23): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-10-22): Attached |  | 10/23/2025 |  | 2 C B |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 479 | 35715796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-21): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-20): PCCD, LOE and payment history reflecting additional cure.<br>Reviewer Comment (2025-10-06): [redacted] received rebuttal comment. However, document preparation fee of $[redacted] added and Lender's title insurance fee and recording fee increased, which is causing the fees are exceeds over [redacted] % tolerance of $[redacted](ILE $[redacted]+ [redacted]% ($[redacted]) =$[redacted]- $[redacted]). Provide valid COC for the fee added and increased or refund cure of $[redacted]is required to borrower.<br>Buyer Comment (2025-10-02): Please note, reviewer is showing Title - Abstract/Title search fee as $[redacted] but initial LE disclosed fee as Title - Exam fee. Fees are one and the same. Please confirm [redacted]% cure of $[redacted]is required. |  | 10/21/2025 |  | 2 C B |  | AL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 479 | 35715797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-20): PCCD, LOE and cure check issued. |  | 10/21/2025 |  | 2 C B |  | AL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 482 | 35715804 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): See uploaded master ins policy. As it pertains to condos requiring HO-6 policy, only [redacted]% of the appraised value is required to be covered so long as there is a master insurance policy in place.<br>Buyer Comment (2025-10-29): See uploaded snip from guideline regarding [redacted] Condo insurance.<br>Reviewer Comment (2025-10-28): Replacement Cost Estimator updated, still there is a Coverage Shortfall of $[redacted]. Exception remains.<br>Buyer Comment (2025-10-27): RCE uploaded | 11/06/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 483 | 35715809 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  | Reviewer Comment (2025-10-08): cleared.<br>Buyer Comment (2025-10-06): Appraisal transfer letter uploaded. | 10/08/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 483 | 35715811 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-10-08): Cleared. | 10/08/2025 |  |  | 1 B A |  | LA | Primary | Purchase | C A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 483 | 35715812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-10-06): PCCD and payment history reflecting PR uploaded. | 10/07/2025 |  |  | 1 C A |  | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 483 | 35715813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/07/2025 |  | 1 A |  | LA | 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) A B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 486 | 35715820 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing signed and dated 4506 - C for co-borrower for [redacted] |  |  |  | Reviewer Comment (2025-10-08): Cleared.<br>Buyer Comment (2025-10-06): [redacted] for coborrower uploaded. | 10/08/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 486 | 35715823 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation mismatch due to missing signed and dated 4506 - C for co-borrower for[redacted] |  |  |  | Reviewer Comment (2025-10-08): Cleared.<br>Buyer Comment (2025-10-06): [redacted] for coborrower uploaded. | 10/08/2025 |  |  | 1 B A C |  | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 486 | 35715824 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing signed and dated 4506 - C for co-borrower for [redacted] |  |  |  | Reviewer Comment (2025-10-08): Cleared.<br>Buyer Comment (2025-10-06): [redacted] for coborrower uploaded. | 10/08/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 486 | 35715825 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed and dated 4506 - C for co-borrower for [redacted] |  |  |  | Reviewer Comment (2025-10-08): Cleared.<br>Buyer Comment (2025-10-06): [redacted] for coborrower uploaded. | 10/08/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 486 | 35715826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | Missing signed and dated 4506 - C for co-borrower for [redacted] |  |  |  | Reviewer Comment (2025-10-08): Cleared.<br>Buyer Comment (2025-10-06): [redacted] for coborrower uploaded. | 10/08/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 489 | 35715832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-10-06): PCCD, LOE and payment history reflecting PR uploaded. | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 489 | 35715833 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-10-06): PCCD, LOE and payment history reflecting PR uploaded. | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 489 | 35715834 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of [redacted] exceeds tolerance of S[redacted][redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/07/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 489 | 35715835 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of [redacted]exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/07/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 489 | 35715836 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title exclusion (Guideline: Requires all borrowers executing the note/mortgage to be on title). | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Documentation Type: [redacted]Full Doc<br> Disposable Income: $[redacted]<br>[redacted] on job.<br>Excellent Credit Management with FICO [redacted]+ | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 491 | 35715842 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-10-22): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-21): PCCD, LOE and payment history reflecting PR uploaded. |  | 10/22/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 494 | 35715847 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]ompared to the calculated Amount Financed of $[redacted]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 [redacted]). | The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]ompared to the calculated Amount Financed of $[redacted]. |  |  |  | Reviewer Comment (2025-10-16): [redacted] received lender attestation on building engineer certificate services<br>Buyer Comment (2025-10-15): This fee was required by the [redacted] from the borrower. This fee is not required by us as the lender, as we receive the certificate of occupancy from the appraiser. Being that this fee is listed in section [redacted], it is a non-APR fee and needs to be excluded from the Finance charge calculation. Let this message serve as our attestation.<br>Reviewer Comment (2025-10-10): The fee has been updated to reflect as the Building Engineer Certificate of $[redacted] in Section [redacted]. [redacted] is unable to determine the purpose and services for this fee in order to determine if a finance charge and if related to lender requirement for extension of credit. Please provide lender attestation giving the specific services & purpose for determination.<br>Buyer Comment (2025-10-09): Could you direct me to the CD, page, and line item that includes the Architectural Fee for $[redacted] that was paid to a [redacted] [redacted] by the borrower at closing? I seems this is the over disclosure mentioned. However, as I review the consummation CD and the PC CD, I do not see the Architectural Fee. | 10/16/2025 |  |  | 1 C A |  | MN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 494 | 35715848 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]ompared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold . |  |  |  | Reviewer Comment (2025-10-16): [redacted] received lender attestation on building engineer certificate services<br>Buyer Comment (2025-10-15): This fee was required by the home builder from the borrower. This fee is not required by us as the lender, as we receive the certificate of occupancy from the appraiser. Being that this fee is listed in section [redacted], it is a non-APR fee and needs to be excluded from the Finance charge calculation. Let this message serve as our attestation.<br>Reviewer Comment (2025-10-10): The fee has been updated to reflect as the Building Engineer Certificate of $[redacted] in Section [redacted]. [redacted] is unable to determine the purpose and services for this fee in order to determine if a finance charge and if related to lender requirement for extension of credit. Please provide lender attestation giving the specific services & purpose for determination.<br>Buyer Comment (2025-10-09): Could you direct me to the CD, page, and line item that includes the Architectural Fee for $[redacted] that was paid to a third party by the borrower at closing? I seems this is the over disclosure mentioned. However, as I review the consummation CD and the PC CD, I do not see the Architectural Fee. | 10/16/2025 |  |  | 1 C A |  | MN | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 494 | 35715850 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-22): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-10-21): PC CD, LOE, and pay history uploaded<br>Reviewer Comment (2025-10-13): [redacted] received rebuttal and Changed Circumstance dated [redacted] available in file, but it does not give sufficient information on why the lenders title fee insurance and recording fee was increased on [redacted]. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased 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.<br>Buyer Comment (2025-10-09): COC uploaded, increasing [redacted]% bucket by more than [redacted]% resetting tolerance. |  | 10/22/2025 |  | 2 C B |  | MN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 496 | 35715854 |  | Credit | Property - Appraisal | Appraisal Adjustments | Property - Appraisal | Excessive site value noted on appraisal without appraiser comments to justify |  | Appraiser did not comment on the site value exceeding [redacted]% being typical. |  |  |  | Reviewer Comment (2025-10-13): Cleared.<br>Buyer Comment (2025-10-09): In the cost approach to value section the appraiser states: "The site value has been estimated based on the following: vacant land sales, market abstracted transfers, knockdown resales and tax assessment ratios of recent transfers when [redacted] or more of these sources are present" as the comment for the site value. | 10/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 497 | 35715857 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] [redacted] | [redacted]Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): [redacted] Certificate of Compliance uploaded. | 10/10/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 499 | 35715863 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Fees has been correctly captured. |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): Updated initial escrow acct disclosure uploaded. | 10/10/2025 |  |  | 1 B A |  | NC | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 499 | 35715865 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional [redacted] Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [redacted] prior to closing dated [redacted] disclosed an inaccurate APR of [redacted]% compared to the actual APR at consummation of [redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least [redacted]prior to consummation. | [redacted](1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least[redacted] specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted] waiting period prior to consummation provided. The APR on the most recent CD received [redacted] prior to consummation ([redacted]%) changed more than the [redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted]prior to consummation. <br> There is a [redacted] CD in file with an disclosed APR of [redacted]% which is within tolerance of accuracy and would clear exception if there is evidence [redacted] CD was received at least [redacted] prior to consummation.) |  |  |  | Reviewer Comment (2025-10-09): [redacted] received proof of earlier electronic receipt of [redacted] CD<br>Buyer Comment (2025-10-08): Disclosure tracking details uploaded. | 10/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 499 | 35715866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after[redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least [redacted] prior to consummation | CD dated [redacted] is not signed/dated by the borrower and there is no other evidence in file of the date of the borrower's receipt. As such, the "mailbox rule" is applied and the presumed receipt date of the CD is [redacted] which would not have been at least [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received earliest receipt of CD dated [redacted].<br>Buyer Comment (2025-10-08): Disclosure tracking details uploaded. | 10/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 501 | 35715874 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least[redacted] prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] prior to consummation. |  |  |  | Reviewer Comment (2025-10-09): Cleared.<br>Buyer Comment (2025-10-07): Initial appraisal and proof initial appraisal and revised appraisal uploaded. | 10/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 504 | 35715883 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Septic Repairs Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Septic Repairs Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted], no valid COC nor cure provided. |  |  |  | Reviewer Comment (2025-10-15): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-10-14): PCCD and LOE uploaded reflecting fees in section [redacted].<br>Reviewer Comment (2025-10-13): [redacted] received rebuttal, however fee is not disclosed with title prefix and also not paid to title. If fee was not required, it should be listed in section [redacted] instead of section [redacted]. Corrected CD and LOE required to remediate moving the fee to Sec [redacted].<br>Buyer Comment (2025-10-10): Please note, fee is in section [redacted] as part of the no tolerance fees and no cure should be required. | 10/15/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 504 | 35715884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted], no valid COC nor cure provided. |  |  |  | Reviewer Comment (2025-10-15): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-10-14): PCCD and LOE uploaded reflecting fees in section [redacted].<br>Reviewer Comment (2025-10-13): [redacted] received rebuttal, however fee is not disclosed with title prefix and also not paid to title. If fee was not required, it should be listed in section [redacted] instead of section [redacted]. Corrected CD and LOE required to remediate moving the fee to Sec [redacted].<br>Buyer Comment (2025-10-10): Please note, fee is in section C as part of the no tolerance fees and no cure should be required. | 10/15/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 505 | 35715887 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-10-22): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-21): PC CD, LOE, and pay history uploaded. |  | 10/22/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 506 | 35715892 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2025-10-09): Accept |  |  | 10/09/2025 | 1 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 506 | 35715893 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrower has been employed in the same industry for more than [redacted]<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]<br>Borrower's [redacted]reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted] on job.<br>Low housing ratio [redacted]% or less.<br>Low default with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-10-06): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | OK | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 507 | 35715895 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted]HPML 2014 Non Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-10-13): Cleared.<br>Buyer Comment (2025-10-09): Appraisal proof of delivery uploaded. | 10/13/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 507 | 35715896 |  | 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 2014): Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] prior to Note Date |  |  |  | Reviewer Comment (2025-10-13): Cleared.<br>Buyer Comment (2025-10-09): Appraisal proof of delivery uploaded. | 10/13/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 508 | 35715901 |  | 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 [redacted] of application. |  |  |  |  | Reviewer Comment (2025-10-10): Cleared.<br>Buyer Comment (2025-10-08): This was included within the initial disclosure package, see page [redacted], "CMS - Affiliated Business Arranagment Disclosure (All Affiliates)" | 10/10/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 508 | 35715902 |  | 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 [redacted] prior to closing. | Initial CD Issued less than [redacted] prior to closing and received by the borrower less than [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received initial CD.<br>Buyer Comment (2025-10-08): Borrower received the [redacted] CD on the same day, see attached audit trail. | 10/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 508 | 35715904 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Total of $[redacted]exceeds the allowed limit of $[redacted]by $[redacted]. |  |  |  | Reviewer Comment (2025-10-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-08): This was cured with a lender credit, see page [redacted], section [redacted], Lender Credits note, "Includes $[redacted] credit" | 10/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 508 | 35715905 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-08): This was already cured, see page [redacted] showing $[redacted]principal reduction applied post-close. |  | 10/09/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 508 | 35715906 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-08): This was already cured, see page [redacted] showing $[redacted]principal reduction applied post-close. |  | 10/09/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 508 | 35715907 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] prior to consummation |  |  |  | Buyer Comment (2025-10-08): . |  |  | 10/08/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 508 | 35715908 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/09/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 508 | 35715909 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of S[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/09/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 508 | 35715910 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/09/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 509 | 35715913 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | 10/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 509 | 35715914 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure Provide and no valid COC provided. |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | 10/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 510 | 35715918 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Shortfall of $[redacted]. |  |  |  | Reviewer Comment (2025-10-13): Cleared.<br>Buyer Comment (2025-10-09): Uploaded correct HOI policy. Loan amount is $[redacted] , Dwelling protection $[redacted] , other structures $[redacted] . coverage sufficient. | 10/13/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 510 | 35715919 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Buyer Comment (2025-10-09): Accept |  |  | 10/09/2025 | 2 B |  | NE | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 513 | 35715927 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets documents required |  |  |  | Reviewer Comment (2025-10-28): Exception cleared - The cash out proceed from the other property has been updated in assets.<br>Buyer Comment (2025-10-21): Executed CD uploaded. The proceeds are reflected on final [redacted] [redacted] , page [redacted] of [redacted] annotated as "funds from #[redacted] " and the UW only used $[redacted] of the proceeds for reserves from this transaction, as #[redacted] refers to the loan number [redacted].<br>Reviewer Comment (2025-10-17): Uploaded CD not executed and proceeds not reflected on the final [redacted] .<br>Buyer Comment (2025-10-15): uploaded is the CD from a simultaneous transaction for one of the borrower's other transactions. it is a cash-out where the borrower received over $[redacted] in proceeds, and these proceeds are used for reserves. | 10/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 513 | 35715929 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets documents required |  |  |  | Reviewer Comment (2025-10-28): Exception cleared - The cash out proceed from the other property has been updated in assets.<br>Buyer Comment (2025-10-21): Executed CD uploaded. The proceeds are reflected on final [redacted] [redacted] , page [redacted] of [redacted] annotated as "funds from #[redacted] " and the UW only used $[redacted] of the proceeds for reserves from this transaction, as #[redacted] refers to the loan number [redacted] .<br>Reviewer Comment (2025-10-17): Uploaded CD not executed and proceeds not reflected on the final [redacted].<br>Buyer Comment (2025-10-15): uploaded is the CD from a simultaneous transaction for [redacted] of the borrower's other transactions. it is a cash-out where the borrower received over $[redacted] in proceeds, and these proceeds are used for reserves. | 10/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 513 | 35715930 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing supporting documentation of funds for reserves and closing. |  |  |  | Reviewer Comment (2025-10-28): Exception cleared - The cash out proceed from the other property has been updated in assets.<br>Buyer Comment (2025-10-21): Executed CD uploaded. The proceeds are reflected on final [redacted] [redacted] , page [redacted] of [redacted] annotated as "funds from #[redacted] " and the UW only used $[redacted] of the proceeds for reserves from this transaction, as #[redacted] refers to the loan number [redacted] .<br>Reviewer Comment (2025-10-17): Uploaded CD not executed and proceeds not reflected on the final [redacted] .<br>Buyer Comment (2025-10-15): uploaded is the CD from a simultaneous transaction for [redacted] of the borrower's other transactions. it is a cash-out where the borrower received over $[redacted] in proceeds, and these proceeds are used for reserves. | 10/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 514 | 35715932 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verification of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): VVOE dated [redacted] uploaded. | 10/17/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 515 | 35715933 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The subject is an investment on which borrower has declared will occupy the property. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-16): corrected [redacted] uploaded. | 10/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 515 | 35715934 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | At the time of appraisal inspection is not required in the file |  |  |  | Reviewer Comment (2025-10-28): Appraisal provided after FEMA disaster end date. Exception cleared<br>Buyer Comment (2025-10-16): I've uploaded the appraisal for the file showing it was completed as of[redacted], and the declaration date for referenced disaster is [redacted]. Appraisal was completed after declaration. Exception not applicable. I am aware the appraisal is incorrectly marked as owner occupied. I've submitted a request to the appraisal company to correct it to tenant occupied. | 10/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 515 | 35715935 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-10-28): Appraisal provided and associated. Exception cleared<br>Buyer Comment (2025-10-16): appraisal uploaded. It does need a correction to the occupancy, but this specific exception can be cleared while the correction is being made in the meantime. | 10/28/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 515 | 35715937 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Appraisal provided and associated. Exception cleared<br>Buyer Comment (2025-10-16): appraisal uploaded. It does need corrections, but this specific exception can be cleared while the corrections are being made in the meantime. | 10/28/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 515 | 35715939 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal receipt missing |  |  |  | Buyer Comment (2025-10-28): Approve |  |  | 10/28/2025 | 2 B |  | FL | Investment | Purchase | D B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 518 | 35715946 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-10-15): accept |  |  | 10/15/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 518 | 35715949 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-16): Sufficient Cure Provided At Closing |  | 10/16/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 519 | 35715951 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | No evidence of pending net sale proceeds in the file. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): fully executed ALTA uploaded. | 10/17/2025 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 519 | 35715952 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | No evidence of pending net sale proceeds in the file. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): fully executed ALTA uploaded. | 10/17/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 519 | 35715955 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Evidence of pending net sale proceeds from REO is missing. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): fully executed ALTA uploaded. | 10/17/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 519 | 35715956 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Evidence of pending net sale proceeds from REO is missing. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): fully executed ALTA uploaded. | 10/17/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 519 | 35715957 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Evidence of pending net sale proceeds from REO is missing. |  |  |  | Reviewer Comment (2025-10-17): Cleared.<br>Buyer Comment (2025-10-15): fully executed ALTA uploaded. | 10/17/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 521 | 35715964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted]on Loan estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-17): [redacted] Received Valid COC dated [redacted]<br>Buyer Comment (2025-10-16): VCOC uploaded. | 10/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 521 | 35715965 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted]on Loan estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-16): Please see image [redacted] pages [redacted]-[redacted]reflecting cure done at closing. | 10/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 521 | 35715966 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 522 | 35715970 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Re-Issue Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | 10/10/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 523 | 35715971 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-16): IEAD uploaded. | 10/28/2025 |  |  | 1 B A |  | NY | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 524 | 35715976 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing YTD P&L statement. |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): Per guidelines, [redacted] income can support the YTD earnings with an earning statement showing the YTD income with YTD income coming from payer on the [redacted] documentation. see guideline snip uploaded. [redacted] is the paystub showing the YTD earnings. | 10/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 524 | 35715977 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): Per guidelines, [redacted] income can support the YTD earnings with an earning statement showing the YTD income with YTD income coming from payer on the [redacted] documentation. see guideline snip uploaded. [redacted] is the paystub showing the YTD earnings. | 10/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 524 | 35715978 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing YTD P&L statement. |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): Per guidelines, [redacted] income can support the YTD earnings with an earning statement showing the YTD income with YTD income coming from payer on the [redacted] documentation. see guideline snip uploaded. [redacted] is the paystub showing the YTD earnings. | 10/21/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 524 | 35715979 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing YTD P&L statement. |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): Per guidelines, [redacted] income can support the YTD earnings with an earning statement showing the YTD income with YTD income coming from payer on the [redacted] documentation. see guideline snip uploaded. [redacted] is the paystub showing the YTD earnings. | 10/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 524 | 35715980 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] due to missing YTD P&L statement. |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): Per guidelines, [redacted] income can support the YTD earnings with an earning statement showing the YTD income with YTD income coming from payer on the [redacted] documentation. see guideline snip uploaded. [redacted] is the paystub showing the YTD earnings. | 10/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 524 | 35715981 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Calculated loan to value percentage of [redacted] % exceeds Guideline loan to value percentage of [redacted] %. |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): per guideline matrix, [redacted] program for primary residence cash-out with FICO greater than [redacted] but less than [redacted] requires LTV of [redacted] %. | 10/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 524 | 35715982 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%. |  |  |  | Reviewer Comment (2025-10-21): Cleared.<br>Buyer Comment (2025-10-16): per guideline matrix, [redacted] program for primary residence cash-out with FICO greater than [redacted] but less than [redacted] requires LTV of [redacted] %. | 10/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 524 | 35715983 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-13): Sufficient Cure Provided At Closing |  | 10/13/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 525 | 35715985 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-10-16): accept |  |  | 10/16/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 525 | 35715987 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Overdisclosed - [redacted][redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted]on Final Closing Disclosure provided on[redacted] are overdisclosed. |  |  |  |  | Reviewer Comment (2025-11-06): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-11-05): Uploading [redacted] CD showing corrected non escrowed property costs.<br>Reviewer Comment (2025-11-03): [redacted] : The PCCD dated [redacted] that was provided in the trailing images was also attached in the trailing image on [redacted]. Non escrow property costs reflected on PCCD of $[redacted], but it does not mention what are the fees are included in the non-escrow cost in PCCD. Moreover, there seems to be no non-escrow fees were disclosed in the loan file. Please reference or provide documentation if using an updated amount. Please provide corrected CD and LOE to Cure.<br>Buyer Comment (2025-10-31): Corrected CD uploaded.<br>Reviewer Comment (2025-10-30): [redacted] PCCD dated [redacted] reflects Non escrowed property cost as $[redacted]; however, we are unable to verify what is included in non-escrowed cost as taxes and insurance are escrowed. Please provide PCCD and LOE to cure or verification of updated amounts.<br>Buyer Comment (2025-10-29): PC CD and LOE uploaded to other exception.<br>Reviewer Comment (2025-10-17): [redacted] received Post CD and LOX. However, the provided Post CD is reflecting Non escrowed cost as $[redacted] which is incorrect since there is No HOA amount. Kindly provide Corrected Post CD to reflect non-escrowed property cost over year [redacted] as $[redacted]on page [redacted] along with LOX.<br>Buyer Comment (2025-10-16): PCCD showing corrected non escrowed property costs uploaded. cure check and delivery label incoming.<br>Reviewer Comment (2025-10-13): Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are overdisclosed. |  | 11/06/2025 |  | 2 C B |  | MA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 525 | 35715988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-10-30): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-29): PC CD, LOE, and cure check with label uploaded. |  | 10/30/2025 |  | 2 C B |  | MA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 525 | 35715989 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-10-16): accept |  |  | 10/16/2025 | 2 B |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 526 | 35715994 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Missing appraisal transfer letter. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-16): Appraisal transfer letter uploaded. | 10/28/2025 |  |  | 1 B A |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 526 | 35715995 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in Existence less than [redacted] yres (Guideline: Requires business to be in existence for [redacted] yrs.) | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income greater than $[redacted]<br>Substantial cash reserves.<br>Borrower's own funds used for Down Payment and closing (No Gifts or DPA)<br>Excellent Credit Management with FICO [redacted]+ | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 526 | 35715996 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Self-Employment less than [redacted] yrs. (Guideline: requires business to be in existence for [redacted] yrs. | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income greater than $[redacted]<br>Substantial cash reserves.<br>Borrower's own funds used for Down Payment and closing (No Gifts or DPA)<br>Excellent Credit Management with FICO [redacted]+ | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 528 | 35716003 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet the seasoning requirement for Cash Out of Inherited Property (Guidelines require a minimum of [redacted] months from the date of the last transfer). | Borrower has verified disposable income of at least $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous<br>Miscellaneous | Low housing ratio of [redacted]% or less.<br>Total monthly payment savings of $[redacted] or more per month. | SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 529 | 35716007 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted]. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income is greater than $[redacted].<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-10-10): Client elects to waive with compensating factors. |  |  | 10/10/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 530 | 35716012 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely) | [redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided within [redacted] ([redacted]) business days of application. |  |  |  |  | Reviewer Comment (2025-12-11): [redacted] received evidence disclosure was provided within [redacted] business days of application.<br>Buyer Comment (2025-12-08): Please see disclosures completed with the Mail fulfillment queue on [redacted]<br>Reviewer Comment (2025-11-11): Trailing document is the same as the initially provided disclosure. Application date [redacted]. Disclosure provided [redacted]. Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted]([redacted]) days of application. Exception remains open.<br>Buyer Comment (2025-11-07): Apologies, initial disclosure uploaded.<br>Reviewer Comment (2025-11-06): Trailing document is the same as the initially provided disclosure. Application date [redacted]. Disclosure provided [redacted]. Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted]([redacted]) days of application. Exception remains open.<br>Buyer Comment (2025-10-30): Initial disclosure uploaded.<br>Reviewer Comment (2025-10-28): Application date[redacted]. Disclosure provided [redacted]. Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted]([redacted]) days of application. Exception remains open.<br>Buyer Comment (2025-10-24): Disclosures uploaded. | 12/11/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 530 | 35716013 |  | Compliance | Compliance | State Compliance | State Defect | [redacted]TNB Disclosure Form Referenced Test | [redacted] Home Loan: Borrower was provided incorrect Tangible Net Benefit Disclosure (use of HUD vs Loan Estimate/Closing Disclosure). |  |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-24): Disclosures uploaded. | 10/28/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 530 | 35716014 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | [redacted]Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not signed by lender/broker. |  |  |  | Reviewer Comment (2025-12-04): Client elects to waive.<br>Reviewer Comment (2025-12-04): Eligible for re-grade to EV2-B with lender signature post-consummation.<br>Buyer Comment (2025-12-03): Per CMS Compliance There is not a timing requirement for the signatures from what we see, only a timing requirement for delivery which was met. The signature portion of the regulation simply states that a signed copy must be retained which is also met. <br>It's never a requirement for the borrowers to sign within [redacted] days of application. Their interpretation is off. <br> Please let me know if we need to schedule a call to discuss but we meet all requirements of the rule as written. <br> Please ask [redacted] to provide the signature timing requirements from the RI regulation.<br>Reviewer Comment (2025-11-12): Per our compliance department: The statute, [redacted] Banking Regulation [redacted] , Section ([redacted])(A)([redacted]) states that "All applicants must be provided with Disclosure Forms [redacted] and [redacted] within [redacted] ([redacted]) business days of application. Verification of the date of submission to Applicant and a fully executed copy of Disclosure Forms [redacted] and [redacted] must be maintained in each loan file. The model form provides lines for creditor signature and creditor authorized representative which are required to be completed to meet the "fully executed" requirement.<br>Buyer Comment (2025-11-07): Although dated post close, does not affect ATR. Please downgrade and waive.<br>Reviewer Comment (2025-11-06): Trailing disclosure is signed by lender post close [redacted]. Note date [redacted].<br>Buyer Comment (2025-10-30): Disclosure signed.<br>Reviewer Comment (2025-10-28): Trailing disclosure not signed by lender.<br>Buyer Comment (2025-10-24): Disclosures uploaded. |  |  | 12/04/2025 | 2 C B |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 530 | 35716015 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely) | [redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted] ([redacted]) days of application. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted] ([redacted]) days of application. |  |  |  | Reviewer Comment (2025-12-11): [redacted] received evidence disclosure was provided within [redacted] business days of application.<br>Buyer Comment (2025-12-08): Please see disclosures completed with the Mail fulfillment queue on [redacted]<br>Reviewer Comment (2025-11-12): Per our compliance department: The statute, [redacted], Section ([redacted])(A)(iv) states that "All applicants must be provided with Disclosure Forms [redacted]and [redacted] within [redacted] ([redacted]) business days of application. Verification of the date of submission to Applicant and a fully executed copy of Disclosure Forms [redacted] and [redacted] must be maintained in each loan file. The model form provides lines for creditor signature and creditor authorized representative which are required to be completed to meet the "fully executed" requirement.<br>Buyer Comment (2025-11-07): Apologies, initial disclosure uploaded.<br>Reviewer Comment (2025-11-06): Trailing document is the same as the initially provided disclosure. Application date [redacted]. Disclosure provided [redacted]. Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted] ([redacted]) days of application. Exception remains open.<br>Buyer Comment (2025-10-30): Initial disclosure uploaded.<br>Reviewer Comment (2025-10-28): Application date [redacted]. Disclosure provided [redacted]. Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted] ([redacted]) days of application. Exception remains open.<br>Buyer Comment (2025-10-24): Disclosures uploaded. | 12/11/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 531 | 35716016 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Reviewer Comment (2025-11-06): Client elects to waive.<br>Reviewer Comment (2025-10-29): Exception Remains - The received appraisal notice is post note date. Provide the appraisal receipt for report [redacted], to applicant [redacted] business days prior to note date.<br>Buyer Comment (2025-10-28): [redacted] of [redacted]<br>Reviewer Comment (2025-10-28): Preliminary Appraisal report dated [redacted] received for appraisal delivery [redacted] in file. However we are still missing appraisal receipt for report dated [redacted] Exception remains<br>Buyer Comment (2025-10-22): [redacted] of [redacted] |  |  | 11/06/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 531 | 35716017 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Reviewer Comment (2025-10-29): Exception Remains - The received appraisal notice is post note date. Provide the appraisal receipt for report[redacted]to applicant [redacted] business days prior to note date.<br>Buyer Comment (2025-10-28): [redacted] of [redacted]<br>Reviewer Comment (2025-10-28): Preliminary Appraisal report dated [redacted] received for appraisal delivery [redacted] in file. However we are still missing appraisal receipt for report dated [redacted]. Exception remains<br>Buyer Comment (2025-10-22): [redacted] of [redacted] | 11/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 531 | 35716018 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2025-11-06): Client elects to waive.<br>Reviewer Comment (2025-10-29): Exception Remains - The received appraisal notice is post note date. Provide the appraisal receipt for report [redacted], to applicant [redacted] business days prior to note date.<br>Buyer Comment (2025-10-28): [redacted] of [redacted]<br>Reviewer Comment (2025-10-28): Preliminary Appraisal report dated [redacted] received for appraisal delivery [redacted] in file. However we are still missing appraisal receipt for report dated [redacted]. Exception remains<br>Buyer Comment (2025-10-22): [redacted] of [redacted] |  |  | 11/06/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 531 | 35716019 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-30): An appraisal update delivered post-close should downgrade the finding to grade [redacted] rather than [redacted] . Requesting the appropriate downgrade to this and the other [redacted].<br>Reviewer Comment (2025-10-29): Exception Remains - The received appraisal notice is post note date. Provide the appraisal receipt for report [redacted]to applicant [redacted] business days prior to note date.<br>Buyer Comment (2025-10-28): Attached, please downgrade accordingly.<br>Reviewer Comment (2025-10-28): Preliminary Appraisal report dated[redacted] eceived for appraisal delivery[redacted] in file. However we are still missing appraisal receipt for report dated [redacted]. Exception remains<br>Buyer Comment (2025-10-22): Appraisal attached, note this is a transferred appraisal. | 11/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 531 | 35716022 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-22): [redacted] received rebuttal stating that survey was required by borrower.<br>Buyer Comment (2025-10-21): Borrower shopped for this service. CMS did not impose it. | 10/22/2025 |  |  | 1 C A |  | CO | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 531 | 35716024 |  | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-06): Client elects to waive. |  |  | 11/06/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 532 | 35716025 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report provided is dated post close. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): Please note the copy included in XXXX shows the original submission date of [redacted] on the first page. The flags were cleared as part of the QC process prior to purchase, which is the standard CMS process for a correspondent loan.<br>Reviewer Comment (2025-10-28): Required fraud report within the note date to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-22): This is a Correspondent loan. Loan closed with original lender and then [redacted]acquired, as per standard Correspondent process. | 11/06/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 532 | 35716028 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Fraud report provided is dated post close. |  |  |  | Reviewer Comment (2025-11-06): Cleared.<br>Buyer Comment (2025-10-29): Please note the copy included in XXXX shows the original submission date of [redacted] on the first page. The flags were cleared as part of the QC process prior to purchase, which is the standard CMS process for a correspondent loan.<br>Reviewer Comment (2025-10-28): Required fraud report within the note date to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-22): [redacted] of [redacted] | 11/06/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716030 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. |  |  |  | Reviewer Comment (2025-11-20): EMD met guideline requirements.<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of fund for EMD for $[redacted]& $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient<br>Reviewer Comment (2025-10-28): Required Source of Fund for $[redacted]& $[redacted] to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-23): Appears [redacted] is not crediting the $[redacted] total earnest money deposits, which are documented on pages [redacted]-[redacted]/ [redacted]in XXXX.<br>Once these are applied to closing costs, borrower paid $[redacted] at closing. Remaining assets meet reserves. | 11/20/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716031 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Buyer Comment (2025-10-23): Concur |  |  | 10/23/2025 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716032 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient funds for reserves. EMD supporting documentation dated post close. |  |  |  | Reviewer Comment (2025-11-20): Reserves documented, exception cleared.<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of funds for EMD for $[redacted] & $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient<br>Reviewer Comment (2025-10-28): Required Source of Fund for $[redacted] & $[redacted]to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-23): Appears [redacted] is not crediting the $[redacted] total earnest money deposits, which are documented on pages [redacted]-[redacted]/ [redacted]in XXXX.<br>Once these are applied to closing costs, borrower paid $[redacted]at closing. Remaining assets meet reserves. This documentation does not appear to be dated post-close, the $[redacted]check is dated [redacted], not [redacted]. | 11/20/2025 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 533 | 35716035 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-11-20): Reserves documented, exception cleared.<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of funds for EMD for $[redacted]& $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient<br>Reviewer Comment (2025-10-28): Required Source of Fund for $[redacted]& $[redacted]to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-23): Appears [redacted] is not crediting the $[redacted] total earnest money deposits, which are documented on pages [redacted]-[redacted]/ [redacted]in XXXX.<br>Once these are applied to closing costs, borrower paid $[redacted] at closing. Remaining assets meet reserves. This documentation does not appear to be dated post-close, the $[redacted]check is dated[redacted], not [redacted]. | 11/20/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716036 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | [redacted] CD indicates a total in section [redacted] for the initial escrow payment at closing of $[redacted]; however, the Initial Escrow Account Disclosure reflects an initial deposit of $[redacted]. |  |  |  | Buyer Comment (2025-10-23): Concur |  |  | 10/23/2025 | 2 B |  | MO | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 533 | 35716037 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Qualification method has changed to interest only due to that DTI ratio & P&I amounts has changed |  |  |  | Reviewer Comment (2025-11-20): Reserves documented, exception cleared.<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of funds for EMD for $[redacted]& $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient<br>Reviewer Comment (2025-10-28): The exception is waterfall to Insufficient funds for reserves and closing. EMD supporting documentation dated post close.<br>Buyer Comment (2025-10-23): Please clarify, as this loan was an interest-only loan from application. Initial LE states product is "[redacted] Year Interest Only, Fixed Rate." | 11/20/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716038 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient funds for reserves and closing. EMD supporting documentation dated post close. |  |  |  | Reviewer Comment (2025-11-20): Reserves documented, exception cleared.<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of funds for EMD for $[redacted] & $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient<br>Reviewer Comment (2025-10-28): Required Source of Fund for $[redacted]& $[redacted]to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-23): Appears [redacted] is not crediting the $[redacted]total earnest money deposits, which are documented on pages [redacted]-[redacted]/ [redacted]in XXXX.<br>Once these are applied to closing costs, borrower paid $[redacted]at closing. Remaining assets meet reserves. This documentation does not appear to be dated post-close, the $[redacted]check is dated [redacted], not [redacted]. | 11/20/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716039 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Insufficient funds for reserves. EMD supporting documentation dated post close. |  |  |  | Reviewer Comment (2025-11-20): Documentation provided, exception cleared.<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of funds for EMD for $[redacted]& $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient<br>Reviewer Comment (2025-10-28): Required Source of Fund for $[redacted]& $[redacted]to clear the exception. Exception Remains.<br>Buyer Comment (2025-10-23): Appears [redacted] is not crediting the $[redacted] total earnest money deposits, which are documented on pages [redacted]-[redacted]/ [redacted]in XXXX.<br>Once these are applied to closing costs, borrower paid $[redacted]at closing. Remaining assets meet reserves. This documentation does not appear to be dated post-close, the $[redacted]check is dated [redacted], not [redacted]. | 11/20/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 533 | 35716040 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted](c)([redacted]). | [redacted] due to insufficient funds for reserves and closing. EMD supporting documentation dated post close. |  |  |  | Buyer Comment (2025-11-20): Approve<br>Reviewer Comment (2025-11-06): Missing bank statements reflecting source of funds for EMD for $[redacted] & $[redacted].<br>Buyer Comment (2025-10-29): This should not be required, as guidelines require only one of the below. The file contains "certification from the deposit holder acknowledging receipt of funds"<br>If earnest money is needed to meet the borrower's minimum contribution <br> requirement, the Underwriter must verify that the funds are from an acceptable <br> source. Satisfactory documentation includes any of the following:<br> • Copy of the borrower's canceled check<br> • Certification from the deposit holder acknowledging receipt of funds<br> • VOD or bank statement showing that the average balance was sufficient |  |  | 11/20/2025 | 2 B |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 534 | 35716042 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  |  | Reviewer Comment (2026-02-04): Loan included in securitization |  |  |  | 3 C |  | CA | 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 i(required on rescindable transactions) | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 535 | 35716044 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] tradelines reporting for [redacted]+ months or [redacted] tradelines reporting for [redacted]+ months is required. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-16): Soft pull showing [redacted] Bank tradeline opened in [redacted] and [redacted]/[redacted]tradeline opened in [redacted]both active. | 10/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 536 | 35716048 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to missing audited YTD P&L statement. |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided.<br>Buyer Comment (2025-12-10): more current P&L uploaded. | 12/10/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 536 | 35716049 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | [redacted] due to missing audited YTD P&L statement. |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided.<br>Buyer Comment (2025-12-10): more current P&L uploaded. | 12/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 536 | 35716050 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing audited YTD P&L statement. |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided. | 12/10/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 536 | 35716051 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing audited YTD P&L statement. |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided.<br>Buyer Comment (2025-12-10): more current P&L uploaded. | 12/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 536 | 35716052 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | [redacted] due to missing audited YTD P&L statement. |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided.<br>Buyer Comment (2025-12-10): more current P&L uploaded. | 12/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 536 | 35716053 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing audited YTD P&L statement. |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided.<br>Buyer Comment (2025-12-10): more current P&L uploaded. | 12/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 536 | 35716054 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-12-10): Current year P&L provided. | 12/10/2025 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 537 | 35716058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit amount increased. No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-10-31): [redacted] received a valid COC.<br>Buyer Comment (2025-10-30): Please note, lender credit increased on CD [redacted] due to loan amount increase, then lender credit decreased on CD[redacted] due to loan amount decreasing. Decrease from [redacted] to [redacted] is a significant decrease.<br>Reviewer Comment (2025-10-23): [redacted] received COC with additional information, however in case when loan amount changes the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower.<br>Buyer Comment (2025-10-22): Prior VCOC [redacted] uploaded. Loan amount increased here and then decreased[redacted].<br>Reviewer Comment (2025-10-20): [redacted] received rebuttal and COC dated [redacted], however as the change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-17): The loan amount decreasing, decreases the lender credit.<br>Reviewer Comment (2025-10-17): [redacted] received rebuttal and COC, however as the change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-16): Please see image [redacted] reflecting VCOC. Loan amount decreased, decreasing lender credit. | 10/31/2025 |  |  | 1 C A |  | KY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 539 | 35716065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax Fee was disclosed on initial Loan estimate as $[redacted]but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-10-17): [redacted] receievd a valid COC,<br>Buyer Comment (2025-10-16): See image [redacted] reflecting VCOC, increased loan amount increased transfer taxes. | 10/17/2025 |  |  | 1 C A |  | TN | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 540 | 35716070 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal report not in lender's name. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-16): Appraisal transfer letter uploaded. | 10/28/2025 |  |  | 1 B A |  | LA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 540 | 35716071 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Missing appraisal transfer letter. |  |  |  | Reviewer Comment (2025-10-28): Cleared.<br>Buyer Comment (2025-10-16): Appraisal transfer letter uploaded. | 10/28/2025 |  |  | 1 B A |  | LA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 540 | 35716072 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | Unable to determine if Safe Harbor requirements are met due to missing information. | Exception is an EV2 which can be elected to waive. |  |  |  | Reviewer Comment (2025-10-28): Cleared. | 10/28/2025 |  |  | 1 A |  | LA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 541 | 35716074 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Evidence of second appraisal was provided at least [redacted] days prior to closing. |  |  |  | Buyer Comment (2025-10-17): accept |  |  | 10/17/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 541 | 35716077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-21): Accept |  |  | 10/21/2025 | 2 B |  | FL | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 543 | 35716083 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-13): Sufficient Cure Provided At Closing |  | 10/13/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 543 | 35716084 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for business in existence for less than [redacted] years. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Excellent Credit Management with FICO [redacted]+.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-10-14): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 544 | 35716088 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet the FICO scores Requirements, Guidelines require a minimum of [redacted] FICO scores, borrower has [redacted] FICO score. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | [redacted]+ years on job.<br>Residual income <$[redacted].<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-10-14): Non ATR lender exception approved by [redacted]. [redacted] countered to [redacted] % LTV. |  |  | 01/16/2026 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 544 | 35716090 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-19): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-10-17): [redacted] is CD showing cure on final page, [redacted] is pay history cure, [redacted] is LOE to borrower | 10/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 544 | 35716091 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-19): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/19/2025 |  | 1 A |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 545 | 35716093 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-10-28): Verification of employment provided is within [redacted] business days of the Note. Exception cleared<br>Buyer Comment (2025-10-17): VVOE dated [redacted] uploaded | 10/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 545 | 35716097 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE dated within [redacted] days of note for co-borrower. |  |  |  | Reviewer Comment (2025-10-28): Provided Verification of employment document is within [redacted] business days of closing for co-borrower. Exception cleared<br>Buyer Comment (2025-10-17): VVOE dated [redacted] uploaded | 10/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 545 | 35716098 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to missing VOE dated within [redacted] days of note for co-borrower. |  |  |  | Reviewer Comment (2025-10-28): Provided Verification of employment document is within [redacted] business days of closing for co-borrower. Exception cleared<br>Buyer Comment (2025-10-17): VVOE dated [redacted] uploaded | 10/28/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 545 | 35716099 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | [redacted] due to missing VOE dated within [redacted] days of note for co-borrower. |  |  |  | Reviewer Comment (2025-10-28): Provided Verification of employment document is within [redacted] business days of closing for co-borrower. Exception cleared<br>Buyer Comment (2025-10-17): VVOE dated [redacted] uploaded | 10/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 545 | 35716100 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to missing VOE dated within [redacted] days of note for co-borrower. |  |  |  | Reviewer Comment (2025-10-28): Provided Verification of employment document is within [redacted] business days of closing for co-borrower. Exception cleared<br>Buyer Comment (2025-10-17): VVOE dated [redacted] uploaded | 10/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 546 | 35716103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]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 [redacted]). | Final closing disclosure dated [redacted] disclosed a Amount Financed of $[redacted]. Calculated Amount Financed is $[redacted] creating variance of $[redacted] |  |  |  | Reviewer Comment (2025-10-31): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-10-30): Attached.<br>Reviewer Comment (2025-10-30): Please provide copy of LOE provided to borrower with the cure package.<br>Buyer Comment (2025-10-29): Attached PCCD, cure check, delivery verification, and signed updated notice of right to cancel. |  | 10/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 546 | 35716104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final closing disclosure dated[redacted] disclosed a finance Charge of $[redacted]. Calculated finance charge is $[redacted] creating variance of -$[redacted] |  |  |  | Reviewer Comment (2025-10-31): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-10-30): [redacted]of [redacted]<br>Reviewer Comment (2025-10-30): Please provide copy of LOE provided to borrower with the cure package.<br>Buyer Comment (2025-10-29): [redacted]of [redacted] |  | 10/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 547 | 35716107 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date.<br>Buyer Comment (2025-10-17): Please see image [redacted]reflecting cure of $[redacted]at closing and $[redacted], payment history reflects on image [redacted]. | 10/21/2025 |  |  | 1 C A |  | OH | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 547 | 35716109 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for rural property. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] % or more.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Total monthly payment savings of $[redacted]or more per month.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-10-14): Lender Exception with Compensating Factors. |  |  | 10/14/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 547 | 35716110 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-21): Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date. |  | 10/21/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 548 | 35716114 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Final CD issued [redacted] stated hazard was escrowed but PCCD issued [redacted] stated hazard insurance is not escrowed. |  |  |  | Buyer Comment (2025-10-30): Approve<br>Reviewer Comment (2025-10-28): PCCD dated[redacted] image [redacted]is blank if Homeowner's Insurance will be included in escrows. Final CD [redacted] reflects Homeowner's Insurance is included in escrows.<br>Buyer Comment (2025-10-17): Please see PCCD dated [redacted] image [redacted] reflecting Homeowner's Insurance is not included in escrows. |  |  | 10/30/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 548 | 35716115 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  | Reviewer Comment (2025-10-20): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-17): Please see image [redacted]pages [redacted] reflecting [redacted] and image [redacted] pay history reflecting [redacted]. |  | 10/20/2025 |  | 2 C B |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 548 | 35716116 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Monitoring Service. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date. |  | 10/28/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 549 | 35716120 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Sufficient cure is required. |  |  |  | Reviewer Comment (2025-10-17): [redacted] Received LOE for fee name change.<br>Buyer Comment (2025-10-16): See attached attestation. | 10/17/2025 |  |  | 1 C A |  | OH | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 549 | 35716121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Sufficient cure is required. |  |  |  | Reviewer Comment (2025-10-29): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-10-28): PCCD, LOE and payment history reflecting PR uploaded. |  | 10/29/2025 |  | 2 C B |  | OH | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 550 | 35716122 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Insurance verification for the property [redacted] |  |  |  | Reviewer Comment (2025-12-10): EOI provided, exception cleared.<br>Buyer Comment (2025-12-09): Property insurance uploaded. | 12/10/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 550 | 35716123 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Insurance verification for the property [redacted] |  |  |  | Reviewer Comment (2025-12-10): EOI provided, exception cleared.<br>Buyer Comment (2025-12-09): Property insurance uploaded. | 12/10/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 550 | 35716124 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the REO verification documents for the property #[redacted]and [redacted]. |  |  |  | Reviewer Comment (2025-12-10): EOI provided for REOs, exception cleared.<br>Buyer Comment (2025-12-09): Property insurance uploaded. | 12/10/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 550 | 35716125 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require accessory unit to be substantially smaller than the primary dwelling. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted]<br>Substantial Cash Reserves<br>Excellent Credit Management with FICO [redacted]+<br>Low housing ratio of [redacted]% or less | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-21): Lender exception provided. |  |  | 01/21/2026 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 551 | 35716127 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement is missing for [redacted]. |  |  |  | Reviewer Comment (2025-10-29): Mortgage statement received and associated. Exception cleared.<br>Buyer Comment (2025-10-29): [redacted] mortgage statements for [redacted] uploaded. | 10/29/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | 551 | 35716128 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax and insurance are missing for [redacted] |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-21): Tax verification for #[redacted] and [redacted]uploaded, and ins for [redacted]showing policy premium of $[redacted]uploaded.<br>Buyer Comment (2025-11-21): Tax verification for #[redacted]E and [redacted]uploaded, and ins for [redacted]showing policy premium of $[redacted]uploaded.<br>Buyer Comment (2025-11-21): Tax verification for #[redacted]E and [redacted]uploaded, and ins for [redacted] showing policy premium of $[redacted]uploaded.<br>Reviewer Comment (2025-11-12): Tax verification for #[redacted]E and [redacted]not uploaded. Uploaded Insurance verification for #[redacted]does not reflect policy premium amount. Please provide.<br>Reviewer Comment (2025-11-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br> Tax Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification<br>Buyer Comment (2025-11-10): Uploaded tax and insurance for all properties<br>Reviewer Comment (2025-11-06): REO# [redacted] updated, however, Address: [redacted], Address: [redacted], Address: [redacted], Address: [redacted] St are missing tax and insurance verification documentation.<br>Reviewer Comment (2025-11-06): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted], Address: [redacted], Address: [redacted], Address: [redacted], Address: [redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification<br> Tax Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification<br> Tax Verification<br>Buyer Comment (2025-10-31): The [redacted] were provided [redacted]and [redacted]. And without a structural improvement on the land, what would need to be insured?<br>Reviewer Comment (2025-10-29): [redacted] and Insurance verification documents are required. Exception Remains.<br>Buyer Comment (2025-10-29): Based on my research, the property is land with no structural improvements, therefore HOI is not applicable. See link [redacted]<br>Buyer Comment (2025-10-29): [redacted] uploaded. | 11/25/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | Non QM | N/A | No |
| [redacted] | [redacted] | [redacted] | 554 | 35716134 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Cure amount not provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-31): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-30): Cure already completed, see attached. |  | 10/31/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 554 | 35716135 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-31): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/31/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 555 | 35716137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Lender Credits. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-11-04): [redacted] received a valid COC.<br>Buyer Comment (2025-11-03): The LTV changed due to the appraisal coming in, and this impacted the pricing for the interest rate chosen. This means that the interest rate would stay the same, however, the cost of the rate, which is determined by Loan Level Price Adjustments such as LTV and FICO could change as the lock is updated to the new terms of the loan. See lock confirmation documents uploaded. Additionally, the loan amount changed [redacted] which would be valid COC as well.<br>Reviewer Comment (2025-10-30): [redacted]Received COC dated [redacted] states credit change due to interest rate chosen; however, there is no change in interest rate compared to last LE dated [redacted]. In order to determine if the changed circumstance is valid more information is necessary on reason credit decreased 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 (2025-10-29): Valid COC for rate lock uploaded. | 11/04/2025 |  |  | 1 C A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 556 | 35716139 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Recording fee of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2025-10-28): Please see image [redacted]pages [redacted]- [redacted]PCCD and image [redacted]page [redacted]payment history reflecting [redacted]. | 10/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 556 | 35716140 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-29): Sufficient Cure Provided within [redacted]Days of Closing |  | 10/29/2025 |  | 1 A |  | FL | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 557 | 35716142 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Reviewer Comment (2026-01-30): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2026-01-30): Please see email re-uploading reflecting the attachment sent was the AVM.<br>Reviewer Comment (2026-01-30): No documentation in the file to evidence borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation.<br>Buyer Comment (2026-01-28): Please note, document uploaded reflects AVM pdf that was delivered to the borrower via email.<br>Reviewer Comment (2026-01-27): Appraisal delivery notice uploaded reflects that an appraisal report delivery disclosure was sent not appraisal report.<br>Buyer Comment (2026-01-22): Proof AVM delivered to borrower uploaded.<br>Reviewer Comment (2026-01-21): Loan is non-Compliant due to missing appraisal delivery.<br>Reviewer Comment (2025-10-29): Appraisal receipt missing on file<br>Buyer Comment (2025-10-29): evidence appraisal sent to borrower [redacted] uploaded. | 01/30/2026 |  |  | 1 C A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 557 | 35716143 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Reviewer Comment (2026-01-30): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing.<br>Buyer Comment (2026-01-30): Please see email re-uploading reflecting the attachment sent was the AVM.<br>Reviewer Comment (2026-01-30): Uploaded document reflects that appraisal report delivery disclosure was emailed to borrower.<br>Buyer Comment (2026-01-28): Please note, document uploaded reflects AVM pdf that was delivered to the borrower via email.<br>Reviewer Comment (2026-01-27): Appraisal delivery notice uploaded reflects that an appraisal report delivery disclosure was sent not appraisal report.<br>Buyer Comment (2026-01-22): Proof AVM delivered to borrower uploaded.<br>Reviewer Comment (2026-01-21): Evidence of delivery not provided.<br>Reviewer Comment (2025-10-29): Appraisal receipt missing on file<br>Buyer Comment (2025-10-29): evidence appraisal sent to borrower [redacted] uploaded. | 01/30/2026 |  |  | 1 C A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 557 | 35716145 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  | Reviewer Comment (2026-01-21): Evidence of delivery of appraisal not provided, loan is non-compliant. | 01/21/2026 |  |  | 1 A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 557 | 35716146 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of the AVM was not located in the file. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): Proof AVM delivered to borrower uploaded. | 01/27/2026 |  |  | 1 A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 557 | 35716147 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2026-01-21): Document did not waive the right to receive a copy of appraisal. | 01/21/2026 |  |  | 1 A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 557 | 35716148 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2026-01-30): Client elects to waive.<br>Reviewer Comment (2026-01-30): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an [redacted] which can be elected to waive.<br>Buyer Comment (2026-01-30): Please see email re-uploading reflecting the attachment sent was the AVM.<br>Reviewer Comment (2026-01-30): Uploaded document reflects that appraisal report delivery disclosure was emailed to borrower.<br>Buyer Comment (2026-01-28): Please note, document uploaded reflects AVM pdf that was delivered to the borrower via email.<br>Reviewer Comment (2026-01-23): Document provided does not show evidence of proof of delivery, it appears to be a disclosure.<br>Buyer Comment (2026-01-22): Proof AVM delivered to borrower uploaded. |  |  | 01/30/2026 | 2 B |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 557 | 35716149 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal delivery notice uploaded reflects that an appraisal report delivery disclosure was sent not appraisal report. |  |  |  | Reviewer Comment (2026-01-30): Client elects to waive.<br>Reviewer Comment (2026-01-30): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an [redacted] which can be elected to waive.<br>Buyer Comment (2026-01-30): Please see email re-uploading reflecting the attachment sent was the AVM.<br>Reviewer Comment (2026-01-30): Uploaded document reflects that appraisal report delivery disclosure was emailed to borrower.<br>Buyer Comment (2026-01-28): Please note, document uploaded reflects AVM pdf that was delivered to the borrower via email. |  |  | 01/30/2026 | 2 B |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 558 | 35716153 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  | Buyer Comment (2025-10-29): accept |  |  | 10/29/2025 | 2 B |  | CA | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 559 | 35716155 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]ompliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-01-21): updated AVM | 01/21/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716158 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of the AVM was not located in the file. |  |  |  | Reviewer Comment (2026-01-21): There was not a waiver in the file. | 01/21/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716159 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Due to appraisal delivery. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Buyer Comment (2026-01-28): Proof appraisal delivered, please note appraisal was a transferred appraisal. | 01/30/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716160 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2026-01-21): Received required documentation. Condition cleared. | 01/21/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716161 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2026-01-21): Received required documentation. Condition cleared. | 01/21/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716162 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Evidence of appraisal delivery not provided. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Buyer Comment (2026-01-28): Proof appraisal delivered, please note appraisal was a transferred appraisal. | 01/30/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716163 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Evidence of appraisal delivery not provided. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Reviewer Comment (2026-01-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. (Type:Primary/[redacted])<br>Buyer Comment (2026-01-28): Proof appraisal delivered, please note appraisal was a transferred appraisal. | 01/30/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 559 | 35716164 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Evidence of appraisal delivery not provided. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Buyer Comment (2026-01-28): Proof appraisal delivered, please note appraisal was a transferred appraisal. | 01/30/2026 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 561 | 35716170 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Proof of Appraisal delivery report is not available in file for Appraisal Report date [redacted] |  |  |  | Buyer Comment (2025-10-29): accept |  |  | 10/29/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 561 | 35716173 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Re-issue Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-10-29): [redacted]is CD showing cure on final page for $[redacted]. | 10/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 561 | 35716174 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-30): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/30/2025 |  | 1 A |  | NY | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 565 | 35716188 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing the insurance verification document for the Primary Residence #[redacted]. |  |  |  | Reviewer Comment (2025-11-19): HOI policy received for REO property, exception cleared.<br>Buyer Comment (2025-11-18): Insurance Verification Uploaded.<br>Reviewer Comment (2025-11-14): Tax verification provided; however, we are missing insurance verification documentation for #[redacted] to ascertain the remaining amount is for HOI.<br>Buyer Comment (2025-11-14): I have uploaded the property profile for[redacted]. This documents confirms that this property pays $[redacted] in property taxes each year. This accounts for $[redacted] dollars per month in the escrow account. Therefore, taking into account my previous rebuttal, we can ascertain the remaining amount collected in the $[redacted] is the property's HOI and is included in the escrow. The payment paid on the bank statement and shown on the mortgage statement is the full amount for the property costs.<br>Reviewer Comment (2025-11-11): Escrow amount reflected on the statement does not breakdown what is included in the escrow. Verification of insurance amount is required.<br>Buyer Comment (2025-11-07): On the final URLA there is the first mortgage payment of $[redacted] to [redacted]. If you look at the attached [redacted] statement ([redacted]), you will see that the P&I payment on the first mortgage is $[redacted], with the principal payment of $[redacted]represented as a credit (negative number) against the outstanding balance, and the interest of $[redacted]represented as the "finance charge"-Seen in section L [redacted][redacted]st Mortgage [redacted]Years [redacted]% Annual Percentage Rate. The escrow portion of the payment and the escrow balance is shown in a different area on the statement, in the amount of $[redacted], in section [redacted]. If you add the P&I of $[redacted](the $[redacted]+ $[redacted]), and the escrow of $[redacted]together, you have the full PITI of $[redacted]. There is a [redacted] rounding error on the reported PITI on the credit report apparently, but this clearly illustrates that breakdown of the PITI that was used to qualify. The July bank statement ([redacted]) showing the payment of $[redacted] leaving the checking account and going to [redacted]. Therefore, the full payment has been verified and used in qualifying. | 11/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 565 | 35716191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing the insurance verification document for the Primary Residence #[redacted]. |  |  |  | Reviewer Comment (2025-11-19): HOI policy received for REO property, exception cleared.<br>Buyer Comment (2025-11-18): Insurance Verification Uploaded.<br>Reviewer Comment (2025-11-14): Tax verification provided; however, we are missing insurance verification documentation for #[redacted]to ascertain the remaining amount is for HOI.<br>Buyer Comment (2025-11-14): I have uploaded the property profile for [redacted]. This documents confirms that this property pays $[redacted] in property taxes each year. This accounts for $[redacted] dollars per month in the escrow account. Therefore, taking into account my previous rebuttal, we can ascertain the remaining amount collected in the $[redacted] is the property's HOI and is included in the escrow. The payment paid on the bank statement and shown on the mortgage statement is the full amount for the property costs.<br>Reviewer Comment (2025-11-11): Escrow amount reflected on the statement does not breakdown what is included in the escrow. Verification of insurance amount is required.<br>Buyer Comment (2025-11-07): On the final URLA there is the first mortgage payment of $[redacted]to [redacted]. If you look at the attached [redacted]statement ([redacted]), you will see that the P&I payment on the first mortgage is $[redacted], with the principal payment of $[redacted]represented as a credit (negative number) against the outstanding balance, and the interest of $[redacted]represented as the "finance charge"-Seen in section L [redacted]st Mortgage [redacted] Years [redacted]% Annual Percentage Rate. The escrow portion of the payment and the escrow balance is shown in a different area on the statement, in the amount of $[redacted], in section [redacted]. If you add the P&I of $[redacted](the $[redacted]+ $[redacted]), and the escrow of $[redacted]together, you have the full PITI of $[redacted]. There is a $[redacted] rounding error on the reported PITI on the credit report apparently, but this clearly illustrates that breakdown of the PITI that was used to qualify. The July bank statement ([redacted]) showing the payment of $[redacted]leaving the checking account and going to [redacted]. Therefore, the full payment has been verified and used in qualifying. | 11/19/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 565 | 35716192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | File is missing the HOI Policy document for the Primary Residence [redacted] |  |  |  | Reviewer Comment (2025-11-19): HOI policy received for REO property, exception cleared.<br>Buyer Comment (2025-11-18): Insurance Verification Uploaded.<br>Reviewer Comment (2025-11-14): Tax verification provided; however, we are missing insurance verification documentation for #[redacted] to ascertain the remaining amount is for HOI.<br>Buyer Comment (2025-11-14): I have uploaded the property profile for [redacted]. This documents confirms that this property pays $[redacted]in property taxes each year. This accounts for $[redacted]dollars per month in the escrow account. Therefore, taking into account my previous rebuttal, we can ascertain the remaining amount collected in the $[redacted]is the property's HOI and is included in the escrow. The payment paid on the bank statement and shown on the mortgage statement is the full amount for the property costs.<br>Reviewer Comment (2025-11-11): Escrow amount reflected on the statement does not breakdown what is included in the escrow. Verification of insurance amount is required.<br>Buyer Comment (2025-11-07): On the final URLA there is the first mortgage payment of $[redacted]to [redacted]. If you look at the attached Riverfront statement ([redacted]), you will see that the P&I payment on the first mortgage is $[redacted], with the principal payment of $[redacted]represented as a credit (negative number) against the outstanding balance, and the interest of $[redacted]represented as the "finance charge"-Seen in section L [redacted] Years [redacted]% Annual Percentage Rate. The escrow portion of the payment and the escrow balance is shown in a different area on the statement, in the amount of $[redacted], in section S [redacted]. If you add the P&I of $[redacted](the $[redacted]+ $[redacted]), and the escrow of $[redacted] together, you have the full PITI of $[redacted]. There is a $[redacted] rounding error on the reported PITI on the credit report apparently, but this clearly illustrates that breakdown of the PITI that was used to qualify. The July bank statement ([redacted]) showing the payment of $[redacted] leaving the checking account and going to Riverfront. Therefore, the full payment has been verified and used in qualifying. | 11/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 565 | 35716193 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing the insurance verification document for the Primary Residence #[redacted]. |  |  |  | Reviewer Comment (2025-11-19): HOI policy received for REO property, exception cleared.<br>Buyer Comment (2025-11-18): Insurance Verification Uploaded.<br>Reviewer Comment (2025-11-14): Tax verification provided; however, we are missing insurance verification documentation for #[redacted] to ascertain the remaining amount is for HOI.<br>Buyer Comment (2025-11-14): I have uploaded the property profile for [redacted]. This documents confirms that this property pays $[redacted] in property taxes each year. This accounts for $[redacted] dollars per month in the escrow account. Therefore, taking into account my previous rebuttal, we can ascertain the remaining amount collected in the $[redacted] is the property's HOI and is included in the escrow. The payment paid on the bank statement and shown on the mortgage statement is the full amount for the property costs.<br>Reviewer Comment (2025-11-11): Escrow amount reflected on the statement does not breakdown what is included in the escrow. Verification of insurance amount is required.<br>Buyer Comment (2025-11-07): On the final URLA there is the first mortgage payment of $[redacted] to [redacted]. If you look at the attached [redacted]statement ([redacted]), you will see that the P&I payment on the first mortgage is $[redacted], with the principal payment of $[redacted] represented as a credit (negative number) against the outstanding balance, and the interest of $[redacted]represented as the "finance charge"-Seen in section L [redacted] Years [redacted]% Annual Percentage Rate. The escrow portion of the payment and the escrow balance is shown in a different area on the statement, in the amount of $[redacted], in section S [redacted]. If you add the P&I of $[redacted](the $[redacted]+ $[redacted]), and the escrow of $[redacted] together, you have the full PITI of $[redacted]. There is a $[redacted] rounding error on the reported PITI on the credit report apparently, but this clearly illustrates that breakdown of the PITI that was used to qualify. The July bank statement ([redacted]) showing the payment of $[redacted] leaving the checking account and going to Riverfront. Therefore, the full payment has been verified and used in qualifying. | 11/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 565 | 35716194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing the insurance verification document for the Primary Residence #[redacted]. |  |  |  | Reviewer Comment (2025-11-19): HOI policy received for REO property, exception cleared.<br>Buyer Comment (2025-11-18): Insurance Verification Uploaded.<br>Reviewer Comment (2025-11-14): Tax verification provided; however, we are missing insurance verification documentation for #4160 to ascertain the remaining amount is for HOI.<br>Buyer Comment (2025-11-14): I have uploaded the property profile for [redacted]. This documents confirms that this property pays $[redacted]in property taxes each year. This accounts for $[redacted] dollars per month in the escrow account. Therefore, taking into account my previous rebuttal, we can ascertain the remaining amount collected in the $[redacted]is the property's HOI and is included in the escrow. The payment paid on the bank statement and shown on the mortgage statement is the full amount for the property costs.<br>Reviewer Comment (2025-11-11): Escrow amount reflected on the statement does not breakdown what is included in the escrow. Verification of insurance amount is required.<br>Buyer Comment (2025-11-07): On the final URLA there is the [redacted] payment of $[redacted]to [redacted]. If you look at the attached [redacted]statement ([redacted]), you will see that the P&I payment on the first mortgage is $[redacted], with the principal payment of $[redacted]represented as a credit (negative number) against the outstanding balance, and the interest of $[redacted] represented as the "finance charge"-Seen in section L [redacted] Years [redacted] % Annual Percentage Rate. The escrow portion of the payment and the escrow balance is shown in a different area on the statement, in the amount of $[redacted], in section [redacted]. If you add the P&I of $[redacted](the $[redacted]+ $[redacted]), and the escrow of $[redacted]together, you have the full PITI of $[redacted]. There is a $[redacted] rounding error on the reported PITI on the credit report apparently, but this clearly illustrates that breakdown of the PITI that was used to qualify. The July bank statement ([redacted]) showing the payment of $[redacted] leaving the checking account and going to Riverfront. Therefore, the full payment has been verified and used in qualifying. | 11/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 565 | 35716195 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in Existence less than [redacted] yrs. Borrower less than [redacted] yrs in the same line of business (Guideline: Requires [redacted] years existence and in the same line of work). | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted].<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 565 | 35716196 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] (Guideline: max [redacted]) | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted].<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 566 | 35716198 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | Buyer Comment (2025-11-03): accept |  |  | 11/03/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 566 | 35716199 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | Buyer Comment (2025-11-03): accept |  |  | 11/03/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 566 | 35716202 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee changed without a valid [redacted] at a minimum should include the original estimate of the cost, the specific reason for the revision and how it impacted the specific fee(s) that increased, revised amount, and the date of the changed circumstance. |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date.<br>Buyer Comment (2025-11-03): [redacted] is CD showing $[redacted]cure as a lender credit on page [redacted] of CD and $[redacted]cure for principle reduction on page [redacted]of CD | 11/04/2025 |  |  | 1 C A |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 566 | 35716203 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date. |  | 11/04/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 568 | 35716209 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Proof of receipt is not provided for appraisal |  |  |  | Buyer Comment (2025-11-03): accept |  |  | 11/03/2025 | 2 B |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 568 | 35716210 |  | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] Non Compliant | [redacted]: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. [redacted]. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-[redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): I've uploaded evidence that appraisal was delivered in august. The value of the appraisal did not change, only clerical corrections were made. With this being said, can we please down grade to EV [redacted] and waive. original appraisal also uploaded to show no change in value.<br>Reviewer Comment (2025-11-19): Revised appraisal delivery confirmation is[redacted] which is dated after the note date of [redacted]. exception remains.<br>Buyer Comment (2025-11-14): Delivery receipts uploaded<br>Reviewer Comment (2025-11-06): Waivers are not applicable to HPML loans.<br> APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. [redacted].<br>Buyer Comment (2025-11-03): Loan is not HPML, as escrows are not waived. Please downgrade to EV and waive | 11/25/2025 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 568 | 35716211 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): I've uploaded evidence that appraisal was delivered in august. The value of the appraisal did not change, only clerical corrections were made. With this being said, can we please down grade to EV[redacted] and waive. original appraisal also uploaded to show no change in value.<br>Reviewer Comment (2025-11-19): Revised appraisal delivery confirmation is [redacted] which is dated after the note date of [redacted]. exception remains.<br>Buyer Comment (2025-11-14): Delivery receipts uploaded<br>Reviewer Comment (2025-11-06): No documentation in the file to evidence borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation.<br>Buyer Comment (2025-11-03): Loan is not HPML, as escrows are not waived. Please downgrade to EV[redacted] and waive | 11/25/2025 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 568 | 35716213 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted]([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-25): Client elects to waive.<br>Buyer Comment (2025-11-20): I've uploaded evidence that appraisal was delivered in august. The value of the appraisal did not change, only clerical corrections were made. With this being said, can we please down grade to EV [redacted] and waive. original appraisal also uploaded to show no change in value.<br>Reviewer Comment (2025-11-19): Revised appraisal delivery confirmation is [redacted] which is dated after the note date of [redacted]. exception remains.<br>Buyer Comment (2025-11-14): Delivery receipts uploaded |  |  | 11/25/2025 | 2 B |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 568 | 35716215 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-25): Client elects to waive. |  |  | 11/25/2025 | 2 B |  | WV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 570 | 35716219 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification document is missing from the file. |  |  |  | Reviewer Comment (2025-12-21): Documentation provided reflecting no HOA, exception cleared.<br>Buyer Comment (2025-12-18): Tract map attached shows confirms no HOA at this property | 12/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 570 | 35716220 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA verification document is missing from the file. |  |  |  | Reviewer Comment (2025-12-21): Documentation provided reflecting no HOA, exception cleared.<br>Buyer Comment (2025-12-18): property profile shows this property land use is SFR and not PUD, confirming no HOA | 12/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 570 | 35716221 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-11-03): accept |  |  | 11/03/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 570 | 35716222 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to file missing the REO verification documents for the Properties # [redacted]. |  |  |  | Reviewer Comment (2025-12-21): Documentation provided reflecting no HOA, system cleared.<br>Buyer Comment (2025-12-18): tract map and property profile both uploaded. | 12/21/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 570 | 35716223 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | File is missing the REO verification documents for the Properties #[redacted]. |  |  |  | Reviewer Comment (2025-12-21): Documentation provided reflecting no HOA, system cleared.<br>Buyer Comment (2025-12-18): tract map and property profile both uploaded. | 12/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 570 | 35716224 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the REO verification documents for the Properties #[redacted]. |  |  |  | Reviewer Comment (2025-12-21): Documentation provided reflecting no HOA, exception cleared.<br>Buyer Comment (2025-12-18): tract map and property profile both uploaded. | 12/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 570 | 35716225 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] due to file missing the REO verification documents for the Properties # [redacted]. |  |  |  | Reviewer Comment (2025-12-21): Documentation provided reflecting no HOA, system cleared.<br>Buyer Comment (2025-12-18): tract map and property profile both uploaded. | 12/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 573 | 35716230 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-11-07): Accept |  |  | 11/07/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 574 | 35716234 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Buyer Comment (2025-11-07): Approve |  |  | 11/07/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 574 | 35716235 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus[redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 574 | 35716236 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower does not meet minimum [redacted] months reserve requirement as verified in file is [redacted]months. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-21): Appraisal invoice reflects payment made with cc. Reserves including appraisal fee [redacted] months reserves. | 01/27/2026 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 576 | 35716242 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-11-11): Cleared.<br>Buyer Comment (2025-11-07): Appraisal field review uploaded meeting guideline requirements. | 11/11/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 576 | 35716244 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Field review value not provided. |  | Missing field value from the report. |  |  |  | Reviewer Comment (2025-11-11): Cleared. | 11/11/2025 |  |  | 1 A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 577 | 35716247 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on[redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. | The exception was regraded to EV2-B as the Flood Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners Insurance, but instead was disclosed under Other.The amounts to be considered under the "Homeowner's Insurance" category are "Premiums or other charges for insurance against loss of or damage to property, or against liability arising out of the ownership or use of property…" (§[redacted][redacted]). On the [redacted], [redacted] webinar hosted by the [redacted], it was clarified Flood Insurance would be placed within the Homeowner's Insurance category of the Estimated Taxes, Insurance & Assessments section as it would fall into the definition provided above. The commentary to [redacted] then states:"Amounts paid by the creditor using escrow account funds. Section[redacted] requires the creditor to disclose an indication of whether the amounts disclosed pursuant to § [redacted] will be paid by the creditor using escrow account funds. If the amount disclosed pursuant to §[redacted] requires the creditor to disclose a description of more than one amount and only some of those amounts will be paid by the creditor using escrow account funds, the creditor may indicate that only some of those amounts will be paid using escrow account funds, such as by using the word "some." As a result, the disclosure of "Some" next to the "Homeowner's Insurance" description would be accurate given that the flood portion of the Homeowner's Insurance will be escrowed while the Hazard Insurance will not be. As stated above, given the disclosure was made to the consumer but just on the incorrect line item, we have regraded to EV2-B accordingly. |  |  |  | Buyer Comment (2025-11-14): Accept |  |  | 11/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure A B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 580 | 35716257 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 580 | 35716258 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 580 | 35716259 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verified and Captured the available assets, still Assets requirement not met, due to which this exception fired. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted] +. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-07): Client elects to waive with compensating factors |  |  | 11/07/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 580 | 35716260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted][redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verified and Captured the available assets, still Assets requirement not met, due to which this exception fired. |  |  |  | Reviewer Comment (2025-11-07): Lender exception with compensating factors, system cleared. | 11/07/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 580 | 35716261 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verified and Captured the available assets, still Assets requirement not met, due to which this exception fired. |  |  |  | Reviewer Comment (2025-11-07): Lender exception with compensating factors, system cleared. | 11/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 580 | 35716262 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted] +. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-07): Client elects to waive with compensating factors |  |  | 11/07/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 580 | 35716263 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2025-11-07): Lender exception with compensating factors, system cleared. | 11/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 580 | 35716264 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unverifiable Verification of Mortgage (Guidelines require cancelled checks for all mortgages paid to an individual). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted] +. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-12): Lender exception provided. |  |  | 01/12/2026 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 583 | 35716269 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal report dated [redacted] and missing evidence of receipt. |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 583 | 35716271 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 585 | 35716274 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | Third Party Verification document doesn't have document date. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-18): The attached is dated and meets the requirements of [redacted]rd party verification. | 11/20/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 585 | 35716275 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Third Party Verification is missing for P&L income, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-18): Attached is the P&L and verification it was completed by the CPA. CPA letter attached to other finding. | 11/20/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 585 | 35716276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Third Party Verification is missing for P&L income, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-18): [redacted] | 11/20/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 585 | 35716277 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as -$[redacted]LE but disclosed as -$[redacted]Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-21): [redacted] received rebuttal comment and as per COC and rate lock dated [redacted].<br>Buyer Comment (2025-11-20): Correction - in addition to the loan amount change, the $[redacted] underwriting fee was "[redacted]" with the lender credit. Note it was not charged on the CD dated [redacted].<br>Reviewer Comment (2025-11-18): [redacted] received rebuttal and COC, however loan amount increased and lender credit decreased. Please provide additional sufficient information why the credit decreased as the change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change.<br>Buyer Comment (2025-11-18): The lender credits decreased with the [redacted] CD, which also changed the loan amount. This is a valid COC. | 11/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 585 | 35716278 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Re-Issue Fee was last disclosed as S[redacted] on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2025-11-18): Already cured, see PCCD in XXXX pages [redacted]. [redacted] attached. | 11/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 585 | 35716280 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of S[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-21): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/21/2025 |  | 1 A |  | TX | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 586 | 35716284 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure -[redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/07/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 586 | 35716286 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 586 | 35716287 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Reserves of [redacted] PITIA do not meet minimum guidelines of [redacted] . | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>[redacted] with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-20): PC Exception for reserves uploaded. |  |  | 11/28/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 586 | 35716288 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing asset reserves requirements. |  |  |  | Reviewer Comment (2025-11-28): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-11-20): PC Exception for reserves uploaded. | 11/28/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 586 | 35716289 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation discrepancy due to not meeting asset reserves requirements. |  |  |  | Reviewer Comment (2025-11-28): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-11-20): PC Exception for reserves uploaded. | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 586 | 35716290 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>[redacted] with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-20): PC Exception for reserves uploaded. |  |  | 11/28/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 586 | 35716291 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): 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.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2025-11-28): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-11-20): PC Exception for reserves uploaded. | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 587 | 35716294 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay ([redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | The Qualification Method interest only used by the lender does not match the ATR payment calculation methods-Note rate |  |  |  | Buyer Comment (2025-11-13): Approve |  |  | 11/13/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716297 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to missing lease agreement for REO #[redacted]. |  |  |  | Reviewer Comment (2025-11-21): Cleared.<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted]% . | 11/21/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 588 | 35716298 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Missing lease agreement for REO #[redacted]. |  |  |  | Reviewer Comment (2025-11-21): Cleared.<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted]% . | 11/21/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716300 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Missing lease agreement for REO #[redacted]. |  |  |  | Reviewer Comment (2025-11-21): Cleared. | 11/21/2025 |  |  | 1 A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716303 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided within [redacted] Days of Closing and prior to discovery date.<br>Buyer Comment (2025-11-13): Please see image [redacted] pages [redacted] and image [redacted] pages [redacted] reflecting cure issued. | 11/14/2025 |  |  | 1 C A |  | NV | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 588 | 35716304 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]% due using lower rental income [redacted] % vacancy factor applied. |  |  |  | Reviewer Comment (2026-01-16): Exception updated with revised DTI>.<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2025-11-21): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted]. | 01/16/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716305 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing lease agreement for REO #[redacted]. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): Please note, no lease for subject located at [redacted]as it is an [redacted]and documentation was provided.<br>Reviewer Comment (2025-11-21): Exception approval provided is for DTI discrepancy, however lease agreement is required to verify rental income for REO #[redacted].<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted].<br>Reviewer Comment (2025-11-19): For REO property [redacted] rental income has been used using vacancy method. while we are qualifying using [redacted]%. Exception remains.<br>Buyer Comment (2025-11-13): Please see attached, no lease as property is used as an [redacted]. | 11/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716306 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2025-11-13): Approve |  |  | 11/13/2025 | 2 B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing lease agreement for REO #[redacted]. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): Please note, no lease for subject located at [redacted]as it is an [redacted] and documentation was provided.<br>Reviewer Comment (2025-11-21): Exception approval provided is for DTI discrepancy, however lease agreement is required to verify rental income for REO #[redacted].<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted].<br>Reviewer Comment (2025-11-19): For REO property [redacted]% rental income has been used using vacancy method. while we are qualifying using [redacted]%. Exception remains.<br>Buyer Comment (2025-11-13): Please see attached, no lease as property is used as an [redacted]. | 11/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716308 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay ([redacted].): The DTI calculated in accordance with the Lenders Guidelines and [redacted]. of[redacted].% significantly exceeds the guideline maximum of [redacted].%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) | Calculated investor qualifying total debt ratio of [redacted].% exceeds Guideline total debt ratio of [redacted].% due using lower rental income [redacted].% vacancy factor applied. |  |  |  | Reviewer Comment (2026-01-16): Exception updated with revised DTI>.<br>Reviewer Comment (2026-01-16): ...<br>Reviewer Comment (2025-11-21): Cleared.<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted]. | 01/16/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716309 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted].): 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.) | Missing lease agreement for REO #[redacted]. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): Please note, no lease for subject located at [redacted] as it is an XXXX and documentation was provided.<br>Reviewer Comment (2025-11-21): Exception approval provided is for DTI discrepancy, however lease agreement is required to verify rental income for REO #[redacted].<br>Buyer Comment (2025-11-19): PC Exception approval uploaded for DTI slightly over [redacted].<br>Reviewer Comment (2025-11-19): For REO property [redacted]% rental income has been used using vacancy method. while we are qualifying using [redacted]%. Exception remains.<br>Buyer Comment (2025-11-13): Please see attached, no lease as property is used as an [redacted]. | 11/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716310 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-11-19): XXXX rental income history received, exception cleared.<br>Buyer Comment (2025-11-13): Please see attached, no lease as property is used as an XXXX. | 11/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 588 | 35716311 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided within 60 Days of Closing |  | 11/14/2025 |  | 1 A |  | NV | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 588 | 35716312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due missing lease agreement. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-24): Please note, no lease for subject located at [redacted] as it is an XXXX and documentation was provided. | 11/28/2025 |  |  | 1 A |  | NV | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 588 | 35716313 |  | 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 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]+ years on job.<br>Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ....<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-11-21): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 589 | 35716317 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [redacted] Constitution Section [redacted]: Previous loan refinanced within twelve ([redacted]) month period of consummation | Previous loan refinanced within twelve month period of consummation |  |  |  | Reviewer Comment (2025-11-19): Revalidated title Document and verified. Exception cleared<br>Buyer Comment (2025-11-13): previous loan was purchase, not refinance. See application, showing borrower living in residence for [redacted] year, and credit report stating the loan is purchase money mortgage opened [redacted]. | 11/19/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 589 | 35716318 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-14): [redacted] received updated valid changed circumstance.<br>Buyer Comment (2025-11-13): COC for CD [redacted] uploaded. | 11/14/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 589 | 35716319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted]proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 590 | 35716320 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | WVOE income document is missing in the file |  |  |  | Reviewer Comment (2025-11-19): Revalidated documents associated and verified. Exception cleared.<br>Buyer Comment (2025-11-13): Please see image D[redacted] page [redacted], loan approved as [redacted]-Year Alternative, [redacted] W2 is only required and was included in initial file upload. (Image D[redacted] and D[redacted]). | 11/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 590 | 35716324 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan[redacted]Test | TILA HPML appraisal Rule (Dodd-Frank 2014): [redacted]requirements not satisfied. | Loan is not high-priced mortgage |  |  |  | Buyer Comment (2025-11-13): Approve |  |  | 11/13/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 590 | 35716328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing paystub and w2. |  |  |  | Reviewer Comment (2025-11-19): Revalidated documents associated and verified. Exception cleared.<br>Buyer Comment (2025-11-13): Please see image D[redacted] page [redacted], loan approved as [redacted]-Year Alternative, [redacted] W2 is only required and was included in initial file upload. (Image D[redacted] and D[redacted]). | 11/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 590 | 35716329 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing paystubs and W-2s for [redacted]and [redacted]. |  |  |  | Reviewer Comment (2025-11-19): Revalidated documents associated and verified. Exception cleared.<br>Buyer Comment (2025-11-13): Please see image D[redacted] page [redacted], loan approved as [redacted]-Year Alternative, [redacted] W2 is only required and was included in initial file upload. (Image D[redacted] and D[redacted]). | 11/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 592 | 35716334 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | TN | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 592 | 35716336 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines do not allow NonQM loans for employees. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-10): Client elects to waive with compensating factors. |  |  | 11/10/2025 | 2 B |  | TN | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 593 | 35716337 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 593 | 35716341 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Credit report reflects Charge-Off with unpaid balance $[redacted] | Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA). | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-19): Client elects to waive with compensating factors.<br>Buyer Comment (2025-11-13): PC Exception shown on approval summary uploaded. |  |  | 11/19/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 594 | 35716345 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-18): Sufficient Cure Provided within [redacted]Days of Closing and prior to discovery date.<br>Buyer Comment (2025-11-17): Pay history uploaded.<br>Reviewer Comment (2025-11-14): [redacted] File contains Corrected PCCD and LOE; however, payment history is missing. Please provide payment history.<br>Buyer Comment (2025-11-13): D[redacted] is CD showing the cure on final page. D[redacted] is lender correspondence, | 11/18/2025 |  |  | 1 C A |  | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 594 | 35716346 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [redacted] Test | TILA HPML appraisal Rule (Dodd-Frank 2014):[redacted] requirements not satisfied. | Missing appraisal transfer letter. |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 594 | 35716347 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan | Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan. |  |  |  |  | Reviewer Comment (2025-11-18): [redacted] Received Payment history.<br>Buyer Comment (2025-11-17): Pay history uploaded. | 11/18/2025 |  |  | 1 A |  | IN | Primary | Purchase | Informational / non-material exception indicating principal reduction reflected on a PCCD twas applied to cure TRID fee tolerance violation(s). B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 594 | 35716348 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/18/2025 |  | 1 A |  | IN | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 595 | 35716350 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  | Reviewer Comment (2026-01-16): Transfer letter provided, exception cleared.<br>Reviewer Comment (2026-01-16): ..<br>Buyer Comment (2025-11-13): Accept | 01/16/2026 |  |  | 1 B A |  | MD | Investment | Refinance - Rate/Term | B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 595 | 35716351 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal report dated[redacted] missing evidence of receipt. |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 597 | 35716358 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 599 | 35716362 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted]itizen Status not provided |  | Passport/Visa is missing |  |  |  | Reviewer Comment (2025-11-19): Verification of Non-US Citizen Status document received and verified. Exception cleared.<br>Buyer Comment (2025-11-13): [redacted]Is the ITIN verification. The loan was underwritten using ITIN guidelines, therefore, visa/passport requirement is met. | 11/19/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 600 | 35716369 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted]form was used, the [redacted]form should have been used. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.[redacted]Form must be used as lender is the same as originating lender. |  |  |  | Buyer Comment (2025-11-13): Approve |  |  | 11/13/2025 | 2 B |  | OR | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 600 | 35716370 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | City reflected the on AVM (Portland) differs from Note (Tigard). Corrected AVM required. |  |  |  | Reviewer Comment (2026-01-30): Cleared.<br>Buyer Comment (2026-01-28): Please see USPS reflecting as both Portland and Tigard. | 01/30/2026 |  |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 601 | 35716373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for business in existence less than [redacted]. | Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income is greater than $[redacted].<br>[redacted] with FICO [redacted]+.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-10): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 602 | 35716375 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[redacted]based on stated value, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-11-19): Revalidated documents and verified. Exception cleared.<br>Buyer Comment (2025-11-14): The policy states under Coverage Information that it includes "[redacted]Replacement Cost." Page [redacted]in XXXX. | 11/19/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 603 | 35716382 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 603 | 35716383 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for unverifiable housing history. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-16): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-11-11): Client elects to waive with compensating factors. |  |  | 01/16/2026 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 604 | 35716387 |  | 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 [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. | Final Closing Disclosure missing signature date to determine timing test. |  |  |  | Reviewer Comment (2025-11-20): [redacted]received evidence of accurate material disclosures received on [redacted].<br>Buyer Comment (2025-11-18): Transaction date is [redacted], please clarify. | 11/20/2025 |  |  | 1 C A |  | FL | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 604 | 35716388 |  | 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 (2025-11-20): [redacted]received evidence of accurate material disclosures received on [redacted]<br>Buyer Comment (2025-11-18): Transaction date is [redacted], please clarify. | 11/20/2025 |  |  | 1 C A |  | FL | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 604 | 35716389 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-11-11): Client elects to waive with compensating factors. |  |  | 11/11/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 604 | 35716390 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Warrantable Condo (Guidelines require full project approval for all Condo-Projects.) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-12): Client elects to waive. |  |  | 01/12/2026 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 605 | 35716394 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement charged of $[redacted]does not match charges in Post Closing Closing Disclosure of $[redacted] |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | NV | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 606 | 35716396 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Deed of Trust is missing page #[redacted]. |  |  |  | Reviewer Comment (2025-11-19): Received complete deed of trust.<br>Buyer Comment (2025-11-13): Deed uploaded with page [redacted]included. | 11/19/2025 |  |  | 1 D A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 606 | 35716397 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing evidence of $[redacted]gift funds sent to Title / Closing agent in the form of a certified check, cashier's check, money order or wire transfer. |  |  |  | Reviewer Comment (2025-11-19): Received closing agents deposit receipt with wire details.<br>Buyer Comment (2025-11-13): Evidence of wire uploaded. | 11/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 606 | 35716398 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to missing missing evidence of $[redacted]gift funds sent to Title / Closing agent in the form of a certified check, cashier's check, money order or wire transfer. |  |  |  | Reviewer Comment (2025-11-19): Received closing agents deposit receipt with wire details.<br>Buyer Comment (2025-11-13): Evidence of wire uploaded. | 11/19/2025 |  |  | 1 B A C |  | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 606 | 35716400 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): 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.) | [redacted]due to missing evidence of $[redacted]gift funds sent to Title / Closing agent in the form of a certified check, cashier's check, money order or wire transfer. |  |  |  | Reviewer Comment (2025-11-19): Received closing agents deposit receipt with wire details.<br>Buyer Comment (2025-11-13): Evidence of wire uploaded. | 11/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 606 | 35716402 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted]due to missing evidence of $[redacted]gift funds sent to Title / Closing agent in the form of a certified check, cashier's check, money order or wire transfer. |  |  |  | Reviewer Comment (2025-11-19): Received closing agents deposit receipt with wire details.<br>Buyer Comment (2025-11-13): Evidence of wire uploaded. | 11/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716403 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property type not allowed (Rural, Coops, Manufactured, Leasehold, Non-Warrantable condo,[redacted]units etc. |  |  |  | Reviewer Comment (2026-01-16): Updated exception type.<br>Reviewer Comment (2026-01-16): ....<br>Reviewer Comment (2026-01-16): ..<br>Reviewer Comment (2025-11-11): Client elects to waive with compensating factors. | 01/16/2026 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716404 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal receipt was not provided for the appraisal dated [redacted]. |  |  |  | Buyer Comment (2025-11-13): Approve |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716405 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716406 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716407 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716408 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716409 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716410 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716411 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716412 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716413 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716414 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716415 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716416 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716417 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716418 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716419 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716420 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716421 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing in file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716422 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716423 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716424 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business and personal tax returns are missing from file. |  |  |  | Buyer Comment (2025-11-20): Approve |  |  | 11/20/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716426 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Most recent business and personal tax returns are missing from file. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-13): Please see business return extension uploaded. | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716427 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-11-13): Approve |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Most recent business and personal tax returns are missing from file. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-13): Please see business return extension uploaded. | 11/20/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 607 | 35716429 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Most recent business and personal tax returns are missing from file. |  |  |  | Reviewer Comment (2025-11-20): Cleared,<br>Buyer Comment (2025-11-13): Please see business return extension uploaded. | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing income documentation. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-13): Please see business return extension uploaded. | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716431 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The property is a non warrantable condo which is ineligible per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-16): Lender exception with compensating factors. |  |  | 01/16/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 607 | 35716432 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is a condo with <[redacted]% of the project sold, [redacted] units, subject is a [redacted]st. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-16): Lender exception with compensating factors. |  |  | 01/16/2026 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 609 | 35716436 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Buyer Comment (2025-11-13): Accept |  |  | 11/13/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 609 | 35716438 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] 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 [redacted]). | The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2025-12-29): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-12-29): Cure documents uploaded.<br>Reviewer Comment (2025-12-12): Material disclosure violation underdisclosure requires the borrower be cured the total amount of underdisclosure. The $[redacted]is a threshold for violation and is not a tolerance but a test of underdisclosure. Cures under [redacted] require the consumer does not pay an amount that exceeds the charge actually disclosed. Refund of the entire underdisclosed amount is required. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with [redacted] and therefore by not refunding the entire amount the exception will remain as an [redacted].<br>Buyer Comment (2025-12-11): My question is, since the under-disclosed amount is $[redacted], and for purchase transactions, the amount that would needs to be cured is any amount that varies more than $[redacted]. Can we accept $[redacted]cure?<br>Reviewer Comment (2025-12-11): The lender's compliance report calculated a finance charge of $[redacted], [redacted]calculated finance charge at $[redacted]which is the $[redacted]PAD fee in Section H. Lender on the Final CD though disclosed the Finance charge as $[redacted], differing from the compliance report and higher amount, which results in the finance charge being $[redacted]underdisclosed which would be the cure amount. However, the PAD fee is being included as we are unable to determine what the holdback is for or what charges it was applied to. If documented evidence is provided that holdback was for repair/construction costs or tax insurance escrows ONLY (no holdback service fees or other estimated fees), then exception can be cleared. If final settlement statement reflects the PAD has been removed and final for fees CD has been updated that removed, then please provide the Correctred CD, LOE to borrower and copy of final borrower settlement statement. If lender chooses to cure then, Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted]and proof of mailing.<br>Buyer Comment (2025-12-10): The seller did not mark the "Escrow Pad" fee for $[redacted] as a finance charge, when it should have been. Can you please confirm that the cure actually required is $[redacted] (for purchase transactions, the amount that would needs to be cured is any amount that varies more than $[redacted]). |  | 12/29/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 609 | 35716439 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted]). | The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold |  |  |  | Reviewer Comment (2025-12-29): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-12-29): Cure documents uploaded.<br>Reviewer Comment (2025-12-11): The lender's compliance report calculated a finance charge of $[redacted], [redacted]calculated finance charge at $[redacted]which is the $[redacted]PAD fee in Section H. Lender on the Final CD though disclosed the Finance charge as $[redacted], differing from the compliance report and higher amount, which results in the finance charge being $[redacted]underdisclosed which would be the cure amount. However, the PAD fee is being included as we are unable to determine what the holdback is for or what charges it was applied to. If documented evidence is provided that holdback was for repair/construction costs or tax insurance escrows ONLY (no holdback service fees or other estimated fees), then exception can be cleared. If final settlement statement reflects the PAD has been removed and final for fees CD has been updated that removed, then please provide the Correctred CD, LOE to borrower and copy of final borrower settlement statement. If lender chooses to cure then, Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted]and proof of mailing.<br>Buyer Comment (2025-12-10): The seller did not mark the "Escrow Pad" fee for $[redacted]as a finance charge, when it should have been. Can you please confirm that the cure actually required is $[redacted](for purchase transactions, the amount that would needs to be cured is any amount that varies more than $[redacted]). |  | 12/29/2025 |  | 2 C B |  | CA | 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 (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 610 | 35716442 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 610 | 35716444 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-11-13): [redacted]is CD showing $[redacted]cure as lender credit in section [redacted] and $[redacted]cure in the summary of transactions totaling $[redacted]. | 11/14/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 610 | 35716445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/14/2025 |  | 1 A |  | OK | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 611 | 35716447 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 611 | 35716448 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in existence less than [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]+ years on job.<br>Substantial cash reserves.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-26): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-26): ..<br>Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 01/26/2026 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 611 | 35716449 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 611 | 35716450 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | UW worksheet and 1008 and approval reflect that a [redacted] month average was used utilizing the P&L however the P&L covered a [redacted] year period as confirmed by the CPA. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]+ years on job.<br>Substantial cash reserves.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-26): Lender exception with compensating factors.<br>Buyer Comment (2026-01-23): Please note, proposed rents on subject property were not originally used for qualifying. Including proposed rents brings DTI to [redacted]%<br>Reviewer Comment (2026-01-22): Our new DTI of [redacted]% does not match the [redacted]% referenced in comments. Need to verify before compensating factors can be considered. There is not a discrepancy between the 1003 and our data.<br>Reviewer Comment (2026-01-22): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.<br>Buyer Comment (2026-01-20): qualify with the proposed rents on the subject, so adding that in brings us down to a more reasonable [redacted]% DTI. Lease is in file. I added a note in the ATR box for potential add'l earnings on the second investment property ([redacted]), we are currently qualifying with the full payment and Zillow market rents are ~$[redacted]/mth. <br> Since we reduced income to $[redacted]/mth, the residual should be roughly half of that, Comp Factors good NQM Summary is attached. |  |  | 01/26/2026 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 611 | 35716451 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | DTI exceeds, UW worksheet and 1008 and approval reflect that a [redacted] month average was used utilizing the P&L however the P&L covered a [redacted] year period as confirmed by the CPA. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]+ years on job.<br>Substantial cash reserves.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-26): Lender exception with compensating factors.<br>Buyer Comment (2026-01-23): Please note, proposed rents on subject property were not originally used for qualifying. Including proposed rents brings DTI to [redacted]%<br>Reviewer Comment (2026-01-22): Our new DTI of [redacted]% does not match the [redacted]% referenced in comments under DTI exception. Need to verify before compensating factors can be considered. There is not a discrepancy between the 1003 and our data.<br>Buyer Comment (2026-01-20): See revised NAQ Approval |  |  | 01/26/2026 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 612 | 35716452 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[redacted] is less than guideline minimum loan amount of $[redacted]. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 612 | 35716453 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO Documents for [redacted], [redacted], [redacted], missing in file to verify monthly PITIA on the investment property. |  |  |  | Reviewer Comment (2025-12-16): Document provided, exception cleared.<br>Buyer Comment (2025-12-16): HOI, HO6 policy uploaded.<br>Reviewer Comment (2025-12-12): Flood insurance and taxes provided. Please provide homeowners insurance for property.<br>Buyer Comment (2025-12-11): tax and insurance verification for [redacted]uploaded<br>Reviewer Comment (2025-11-25): $[redacted]reflects as some of the HOI escrowed. Insurance and tax verification documentation are required to verify the exact amount amounts used at origination.<br>Buyer Comment (2025-11-21): This signed CD for the property at [redacted]verifies the total monthly payment as $[redacted], and also includes the costs for taxes, insurance and assessments. though not included in escrow, this $[redacted] is the cost as monthly break down. They are not indicated to be included in escrow, but the $[redacted]is a representation as if they were. | 12/16/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 612 | 35716455 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condominium. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 612 | 35716456 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of the AVM was not located in the file. |  |  |  | Reviewer Comment (2026-01-21): A waiver was not in the file. | 01/21/2026 |  |  | 1 A |  | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 612 | 35716457 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2026-01-23): Approve<br>Reviewer Comment (2026-01-23): The copy of the email provided did not say that it was sending the borrower an appraisal and there is no evidence that one was attached.<br>Buyer Comment (2026-01-22): Proof AVM delivered to borrower uploaded. |  |  | 01/23/2026 | 2 B |  | TX | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| [redacted] | [redacted] | [redacted] | 614 | 35716461 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  | Reviewer Comment (2025-12-18): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-12-17): PCCD and LOE uploaded.<br>Reviewer Comment (2025-12-15): [redacted] received copy of RTC, refund check and mailing label. Still required are the PCCD and LOE. LOE in loan file does not discuss the reason for the exception.<br>Buyer Comment (2025-12-12): LOE, cure check, proof of delivery uploaded. |  | 12/18/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | 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 i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 614 | 35716462 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Sufficient cure is required. |  |  |  | Reviewer Comment (2025-11-14): Cleared.<br>Buyer Comment (2025-11-14): Please see image [redacted]page [redacted]reflecting VCOC. | 11/14/2025 |  |  | 1 C A |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 614 | 35716463 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business in existence for less than [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Residual income is greater than $[redacted].<br>Low default risk with substantial equity Position - [redacted]% LTV lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 615 | 35716465 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. (Type:Secondary/[redacted]) |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 615 | 35716467 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 615 | 35716468 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. |  |  |  | Reviewer Comment (2025-11-14): [redacted] received Letter of Explanation & Corrected CD<br>Buyer Comment (2025-11-13): Corrected PC CD uploaded. |  | 11/14/2025 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 615 | 35716469 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. (Final/[redacted]) |  |  |  | Reviewer Comment (2025-11-14): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-11-13): Corrected PC CD uploaded.<br>Reviewer Comment (2025-11-12): Estimated Taxes, Insurance & Assessments on page [redacted]of CD is $[redacted]; Estimated Escrow is $[redacted]; Non-Escrowed Property Cost over Year [redacted]is blank. |  | 11/14/2025 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 615 | 35716470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments. (Final/[redacted]) |  |  |  | Reviewer Comment (2025-11-14): [redacted]received Letter of Explanation & Corrected CD<br>Buyer Comment (2025-11-13): Corrected PC CD uploaded. |  | 11/14/2025 |  | 2 C B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 616 | 35716475 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline: Rural property is ineligible. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted]<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716477 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal proof of receipt is not provided |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716479 |  | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal report dated [redacted] proof of receipt is not provided. |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716481 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | Client elects to waive with compensating factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716482 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-11-12): Lender exception with compensating factors, system cleared. | 11/12/2025 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 617 | 35716483 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-11-12): Lender exception with compensating factors, system cleared. | 11/12/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716484 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is located in a rural area. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | Client elects to waive with compensating factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716485 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is on [redacted] acres which exceeds the guideline max of [redacted]. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | Client elects to waive with compensating factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716486 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient reserves provided. | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years. | Client elects to waive with compensating factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 617 | 35716487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2025-11-12): Lender exception with compensating factors, system cleared. | 11/12/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 619 | 35716491 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-11-18): Approve |  |  | 11/18/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 621 | 35716498 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-05): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-12-03): principal reduction applied to payment<br>Reviewer Comment (2025-11-26): [redacted] received Poist CD and LOX. However,we would also require payment history in order to cure the exception.<br>Buyer Comment (2025-11-25): pccd with cover letter supporting principal reduction |  | 12/05/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 621 | 35716499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan | Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan. | Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan. |  |  |  | Reviewer Comment (2025-12-09): [redacted] received documentation of principal reduction application.<br>Buyer Comment (2025-12-08): principal reduction applied | 12/09/2025 |  |  | 1 A |  | NY | Primary | Purchase | Informational / non-material exception indicating principal reduction reflected on a PCCD twas applied to cure TRID fee tolerance violation(s). B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 623 | 35716502 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing Mortgage statement and HOA verification for REO located at [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): [redacted]is the note showing the P&I, [redacted]is property detail report showing the property is classified as SFR and NOT PUD indicating there is NO HOA. the same document also indicates the property taxes. [redacted]is the HOI binder. Therefore, the property's costs are all documented. | 11/25/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 623 | 35716505 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing award letter/1099 to verify disability income for co-borrower #[redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-21): The UW has removed the disability income from the 1008, as it was not needed to complete the loan. | 11/25/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 623 | 35716506 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing award letter/1099 to verify disability income for co-borrower #[redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared<br>Buyer Comment (2025-11-21): The UW has removed the disability income from the 1008, as it was not needed to complete the loan. | 11/25/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 623 | 35716507 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing award letter/1099 to verify disability income for co-borrower #[redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-21): The UW has removed the disability income from the 1008, as it was not needed to complete the loan. | 11/25/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 623 | 35716508 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing award letter/1099 to verify disability income for co-borrower #[redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-21): The UW has removed the disability income from the 1008, as it was not needed to complete the loan. | 11/25/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 623 | 35716510 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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 award letter/1099 to verify disability income for co-borrower #[redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-21): The UW has removed the disability income from the 1008, as it was not needed to complete the loan. | 11/25/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 623 | 35716511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-24): Upon review the fee was correctly disclosed to the consumer.<br>Buyer Comment (2025-11-20): Uploaded COC showing a borrower was added to title, affecting ownership and proving valid COC to reset transfer tax and recording fee to $[redacted]. | 11/24/2025 |  |  | 1 C A |  | VA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 624 | 35716515 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-21): [redacted]Sufficient cure provided within [redacted]days pf the closing and prior to discovery date.<br>Buyer Comment (2025-11-20): $[redacted]credit applied at time of closing plus $[redacted]check issued post-consummation: $[redacted]for credit re-issue and $[redacted]re-inspection fees<br>Reviewer Comment (2025-11-20): [redacted]received PCCD, LOE, copy of refund check for $[redacted]and proof of mailing but the PCCD shows the cure of $[redacted]only. Please provide corrected PCCD updating the cure or required detailed LOE with fee name for which cure was provided for remediations.<br>Buyer Comment (2025-11-19): pccd with cover letter including original credit applied at time of funding and copy of cure check and fedex label | 11/21/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 624 | 35716516 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | On Security Instrument Notary Date is missing. |  |  |  | Reviewer Comment (2025-11-21): Note includes signature date of [redacted].<br>Buyer Comment (2025-11-19): please review noted documents and advise if condition can be cleared<br>Buyer Comment (2025-11-19): funder CD in loan file [redacted]dated [redacted] and signed supports date of signed and dated NORTC form | 11/21/2025 |  |  | 1 B A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 624 | 35716517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Please provide Valid COC or Cure Docs. |  |  |  | Reviewer Comment (2025-11-21): [redacted]Sufficient cure provided within [redacted]days pf the closing and prior to discovery date. | 11/21/2025 |  |  | 1 A |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 626 | 35716522 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided within [redacted]Days of Closing |  | 11/12/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Home Improvement | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 626 | 35716523 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file. |  |  |  | Buyer Comment (2025-11-13): accept |  |  | 11/13/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 628 | 35716526 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/28/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 628 | 35716530 |  | 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 [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  | 12/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 628 | 35716531 |  | 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). |  |  |  |  |  | 12/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 628 | 35716532 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 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>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Residual income is greater than $2,500.00.<br>Qualifying ratios of 23/28 or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC |  |  |  | 11/12/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 628 | 35716534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  |  |  |  | 02/02/2026 |  | 2 B |  | CA | Primary | Refinance - Cash-out - Home Improvement | 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 i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 629 | 35716538 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow a currently delinquent mortgage to be brought current by paying off at closing. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors. |  |  | 11/12/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 629 | 35716539 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require [redacted] review and approval of all Rural Properties, review and approval not found. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 630 | 35716542 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-18): corrected initial escrow acct disclosure | 11/20/2025 |  |  | 1 B A |  | IN | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 630 | 35716543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-20): Technology eclosing fee is the loan delivery fee, this was disclosed on each LE and CD, please waive condition<br>Reviewer Comment (2025-11-19): [redacted]PCCD dated [redacted] reflects Cure $[redacted]; however, LOE and Copy of check not received. Provide LOE for PCCD dated[redacted] and copy of check $[redacted]. Also, confirm $[redacted]principal reduction applied for which tolerance fee.<br>Buyer Comment (2025-11-18): PCCD with cover letter and PR applied, please also note credit applied at closing for fees | 11/20/2025 |  |  | 1 C A |  | IN | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 630 | 35716544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-20): Cleared.<br>Buyer Comment (2025-11-20): please see principal reduction applied to loan uploaded with pccd and cd with original upload, check not required. pr applied towards transfer tax and doc prep fees<br>Reviewer Comment (2025-11-19): [redacted]PCCD dated [redacted] reflects Cure $[redacted]; however, LOE and Copy of check not received. Provide LOE for PCCD dated [redacted] and copy of check $[redacted]. Also, confirm $[redacted]principal reduction applied for which tolerance fee.<br>Buyer Comment (2025-11-18): PCCD with cover letter and PR applied, please also note credit applied at closing for fees | 11/20/2025 |  |  | 1 C A |  | IN | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 630 | 35716545 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided within [redacted]Days of Closing |  | 11/20/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 630 | 35716546 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided within [redacted]Days of Closing |  | 11/20/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 631 | 35716549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-20): Sufficient cure provided. Full cure amount for tolerance violation was provided after closing (on PCCD) and before discovery date resulting in a cleared exception.<br>Buyer Comment (2025-11-19): PCCD with cover letter and PR applied | 11/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 631 | 35716550 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided within [redacted]Days of Closing |  | 11/20/2025 |  | 1 A |  | CA | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 632 | 35716551 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-12-12): Updated, system cleared.<br>Buyer Comment (2025-12-10): reupload of [redacted]appraisal delivery<br>Buyer Comment (2025-12-10): reupload of [redacted]and [redacted]appraisal deliveries<br>Reviewer Comment (2025-12-10): The value from the [redacted]report was $[redacted]and the comments from [redacted]were updated on the same report with value of $[redacted], that represents a change in value from the [redacted]report as final value on the [redacted]report is $[redacted]. Due to change in value report would need to be provided to Borrower at least [redacted]business days prior to closing.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated [redacted] with delivery and appraisal report dated[redacted]with comment added on page [redacted]dated [redacted] and delivered to borrower [redacted]. No report was issued [redacted] just a comment added to the original report.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated [redacted] with delivery and appraisal report dated[redacted] with comment added on page [redacted] dated [redacted]and delivered to borrower [redacted]. No report was issued [redacted] just a comment added to the original report.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated[redacted] with delivery and appraisal report dated [redacted] with comment added on page [redacted]dated [redacted] and delivered to borrower [redacted]. No report was issued [redacted] just a comment added to the original report.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated [redacted] with delivery and appraisal report dated[redacted]with comment added on page [redacted] dated [redacted] and delivered to borrower [redacted]. No report was issued[redacted] just a comment added to the original report.<br>Reviewer Comment (2025-12-05): Appraisal reports for[redacted] and [redacted] not uploaded with the trailing documents.<br>Buyer Comment (2025-12-03): appraisal report dated [redacted] (see comment added to original report page [redacted]) and report dated [redacted] with delivery to borrower along with snippet of appraisal webstie to support all reports provided in current uploaded<br>Buyer Comment (2025-12-03): appraisal report dated [redacted] (see comment added to original report page [redacted]) and report dated [redacted]with delivery to borrower along with snippet of appraisal webstie to support all reports provided in current uploaded<br>Buyer Comment (2025-12-03): appraisal report dated [redacted](see comment added to original report page [redacted]) and report dated [redacted] with delivery to borrower along with snippet of appraisal webstie to support all reports provided in current uploaded<br>Reviewer Comment (2025-11-20): Please provide a copy of all appraisal reports. The[redacted]and [redacted] proof of deliveries in file indicates there were earlier reports which are not in the file.<br>Buyer Comment (2025-11-18): Please downgrade exception to grade [redacted], see attached evidence of appraisal delivered after closing with no material or value changes reported | 12/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 632 | 35716552 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-12-12): Updated, system cleared.<br>Buyer Comment (2025-12-10): reupload of [redacted]appraisal report<br>Buyer Comment (2025-12-10): reupload of [redacted]and [redacted]appraisal deliveries<br>Buyer Comment (2025-12-10): please clarify which report you are missing evidence of delivery. Prior uploads include[redacted] delivery for initial report dated [redacted] delivery to borrower for the[redacted] notes updated to the original report dated [redacted] report was also documented as delivered [redacted]. I cannot determine which report you are missing evidence of delivery<br>Reviewer Comment (2025-12-10): The value from the [redacted]report was $[redacted]and the comments from [redacted]were updated on the same report with value of $[redacted], that represents a change in value from the [redacted]report as final value on the [redacted]report is $[redacted]. Due to change in value report would need to be provided to Borrower at least [redacted]business days prior to closing.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated[redacted] with delivery and appraisal report dated[redacted] with comment added on page [redacted]dated [redacted]and delivered to borrower [redacted]. No report was issued [redacted] just a comment added to the original report.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated [redacted] with delivery and appraisal report dated [redacted]with comment added on page [redacted]dated[redacted] and delivered to borrower [redacted]. No report was issued [redacted] just a comment added to the original report.<br>Buyer Comment (2025-12-08): Please see re-upload of report dated[redacted]with delivery and appraisal report dated [redacted] with comment added on page [redacted] dated [redacted] and delivered to borrower [redacted]. No report was issued[redacted] just a comment added to the original report.<br>Reviewer Comment (2025-12-05): Appraisal reports for [redacted] and [redacted] not uploaded with the trailing documents.<br>Buyer Comment (2025-12-03): appraisal report dated [redacted] (see comment added to original report page [redacted]) and report dated [redacted]with delivery to borrower along with snippet of appraisal webstie to support all reports provided in current uploaded<br>Buyer Comment (2025-12-03): appraisal report dated[redacted] (see comment added to original report page [redacted]) and report dated [redacted]with delivery to borrower along with snippet of appraisal webstie to support all reports provided in current uploaded<br>Buyer Comment (2025-12-03): appraisal report dated [redacted] (see comment added to original report page [redacted]) and report dated [redacted] with delivery to borrower along with snippet of appraisal webstie to support all reports provided in current uploaded<br>Reviewer Comment (2025-11-20): Please provide a copy of all appraisal reports. The[redacted] and [redacted] proof of deliveries in file indicates there were earlier reports which are not in the file.<br>Buyer Comment (2025-11-18): Please downgrade exception to grade [redacted], see attached evidence of appraisal delivered after closing with no material or value changes reported | 12/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 632 | 35716554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid COC is not provided nor cure at closing. |  |  |  | Reviewer Comment (2025-11-19): [redacted]Cure Docs provided within [redacted]days of the Consummation and prior to discovery date.<br>Buyer Comment (2025-11-18): PCCD with cover letter, check and fedex label uploaded | 11/19/2025 |  |  | 1 C A |  | TX | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 632 | 35716557 |  | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Buyer Comment (2025-12-12): Approve<br>Reviewer Comment (2025-12-12): Exception is an EV2 which can be elected to waive. |  |  | 12/12/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 632 | 35716558 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural properties are ineligible. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Substantial Cash Reserves<br>Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2026-01-21): Lender exception provided. |  |  | 01/21/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 633 | 35716560 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | Rural Property with agricultural feature | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-13): Client elects to waive with compensating factors. |  |  | 11/13/2025 | 2 B |  | IN | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 633 | 35716561 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-13): Sufficient Cure Provided At Closing |  | 11/13/2025 |  | 1 A |  | IN | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 634 | 35716564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional [redacted]-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [redacted] days prior to closing dated [redacted] disclosed an inaccurate APR of [redacted]% compared to the actual APR at consummation of [redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least [redacted] ([redacted]) business days prior to consummation. | [redacted](f)([redacted])(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least [redacted] ([redacted]) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [redacted], revised disclosures with an accurate APR must be disclosed and a new [redacted]-day waiting period prior to consummation provided. The APR on the most recent CD received [redacted] days prior to consummation ([redacted]%) changed more than the [redacted]% threshold compared to the actual/calculated APR at consummation ([redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-21): [redacted]Received CD dated [redacted] along with disclosure summary.<br>Buyer Comment (2025-11-20): please review screenshot uploaded with revised CD APR delivered [redacted] with presumed received date [redacted] prior to closing | 11/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 634 | 35716565 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-21): [redacted] Received Valid COC dated 10/15.<br>Buyer Comment (2025-11-20): Lock, COC and disclosure tracking uploaded to support borrower receipt of change in pricing to borrower paid | 11/21/2025 |  |  | 1 C A |  | MI | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 634 | 35716566 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. |  |  |  |  |  | Reviewer Comment (2025-12-04): cleared.<br>Buyer Comment (2025-12-03): hazard policy, 1008, 1003 and non-agency loan approval uploaded | 12/04/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 634 | 35716567 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-26): [redacted] received a valid COC.<br>Buyer Comment (2025-11-25): COC including details for need for WVOE; Other income required for qualifying<br>Reviewer Comment (2025-11-21): [redacted]received Changed Circumstance dated 09/08, but it does not give sufficient information on why the WVOE 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> "<br>Buyer Comment (2025-11-20): COC for added condition WVOE and fee added along with disclosure tracking uploaded | 11/26/2025 |  |  | 1 C A |  | MI | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 634 | 35716568 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>Miscellaneous<br>Miscellaneous | [redacted]+ Years on Job<br>Total monthly payment savings of $[redacted] or more per month | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator |  |  |  | 01/22/2026 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716569 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-28): Cleared. | 11/28/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716570 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount not provided |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): Final title policy uploaded. | 11/28/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716571 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-03): Accept |  |  | 12/03/2025 | 2 A B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716572 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO # [redacted]-[redacted]missing mortgage statement and verification insurance. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): Please see first payment letter reflecting payment breakdown including monthly insurance uploaded. | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716574 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to REO # [redacted]-[redacted] missing mortgage statement and verification insurance. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): [redacted]payment letter with payment breakdown uploaded. | 11/28/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 635 | 35716575 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | REO # [redacted]-[redacted] missing mortgage statement and verification insurance. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): [redacted]payment letter with payment breakdown uploaded. | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716576 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | REO # [redacted]-[redacted] missing mortgage statement and verification insurance. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): [redacted] payment letter with payment breakdown uploaded. | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 635 | 35716577 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to REO # [redacted]-[redacted] missing mortgage statement and verification insurance. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-21): [redacted]payment letter with payment breakdown uploaded. | 11/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 638 | 35716585 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Final Closing Disclosure escrow amount is not matching with initial escrow account disclosure. |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-25): Attached to [redacted]<br>Reviewer Comment (2025-11-25): Trailing PCCD reflects initial escrow payment of $[redacted] that does not match the initial escrow disclosure amount of $[redacted]<br>Buyer Comment (2025-11-20): Attached to [redacted] | 11/28/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 638 | 35716586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | The Final Closing Disclosure escrow amount is not matching with initial escrow account disclosure. |  |  |  | Reviewer Comment (2025-11-26): [redacted]received Correct [redacted] and [redacted] cured prior to reporting.<br>Buyer Comment (2025-11-25): The borrower also received the attached, showing the correct escrow payment.<br>Reviewer Comment (2025-11-21): Escrow payment amount on page one does not match escrow amount payment on [redacted] [redacted] indicates escrow payment amount should be $[redacted] Please provide updated PCCD and LOE.<br>Buyer Comment (2025-11-20): Attached sent to borrower. |  | 11/26/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 638 | 35716587 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | The Final Closing Disclosure escrow amount is not matching with initial escrow account disclosure. |  |  |  | Reviewer Comment (2025-11-26): [redacted] received Correct [redacted] and [redacted] cured prior to reporting.<br>Buyer Comment (2025-11-25): Attached to [redacted]<br>Reviewer Comment (2025-11-21): Escrow payment amount on page one does not match escrow amount payment on [redacted] [redacted]indicates escrow payment amount should be $[redacted]. Please provide updated [redacted]and LOE.<br>Buyer Comment (2025-11-20): Attached to [redacted] |  | 11/26/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 639 | 35716589 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): Appraisal review attached. | 12/04/2025 |  |  | 1 D A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716590 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement is missing. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): Additionally, attached here is the confirmation that the property titled "Comfortable family home" shown in the earnings report is the [redacted]Casa Del Norte property.<br>Buyer Comment (2025-12-03): This property is used for short-term rentals. Attached is the [redacted] earnings report for this property. | 12/04/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716592 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement is missing for REO Property [redacted]. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): [redacted] | 12/04/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 639 | 35716593 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease agreement is missing for REO Property [redacted]. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): [redacted] | 12/04/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716595 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Due to missing lease agreement document for REO property [redacted]. |  |  |  | Reviewer Comment (2025-12-04): Cleared. | 12/04/2025 |  |  | 1 A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716596 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lease Agreement is missing. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): [redacted] | 12/04/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716597 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): 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.) | Lease Agreement is missing. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): [redacted] | 12/04/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716598 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Lease Agreement missing. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): [redacted] | 12/04/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Limited Cash-out GSE | D A C | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 639 | 35716599 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-12-04): Cleared. | 12/04/2025 |  |  | 1 A |  | NV | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 641 | 35716604 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-11-20): Accept |  |  | 11/20/2025 | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 642 | 35716606 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification final Appraisal report was delivered to borrower at least [redacted] business days prior to closing was not provided. |  |  |  | Buyer Comment (2025-11-19): Approve |  |  | 11/19/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 643 | 35716612 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-11-20): Accept |  |  | 11/20/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 643 | 35716613 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-14): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/14/2025 |  | 1 A |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 646 | 35716623 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): initial appraisal report and evidence updated report delivered to borrower uploaded (loan file includes evidence initial appraisal report delivery and updated appraisal report)<br>Buyer Comment (2025-11-20): emailed appraisal report to borrower in loan file see [redacted] document | 11/25/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 646 | 35716624 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal Receipt is required to be delivered to borrower within 3 business days of Closing. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): initial appraisal report and evidence updated report delivered to borrower uploaded (loan file includes evidence initial appraisal report delivery and updated appraisal report) | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 646 | 35716625 |  | 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 [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): initial appraisal report and evidence updated report delivered to borrower uploaded (loan file includes evidence initial appraisal report delivery and updated appraisal report) | 11/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 646 | 35716628 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] proof of delivery in file indicates there was an earlier report which is not in the file |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): evidence of appraisal delivery for updated report<br>Buyer Comment (2025-11-20): Initial appraisal report dated [redacted], delivery of report documented in loan file | 11/25/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 647 | 35716633 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guideline requirements are not met due to missing fully executed [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): Signed [redacted] C uploaded. | 11/25/2025 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 647 | 35716634 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guideline requirements are not met due to missing fully executed [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): Signed [redacted] C uploaded. | 11/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 647 | 35716635 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted] [redacted]): 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.) | Guideline requirements are not met due to missing fully executed [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): Signed [redacted] C uploaded. | 11/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 647 | 35716636 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Guideline requirements are not met due to missing fully executed [redacted]. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): Signed [redacted] C uploaded. | 11/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 647 | 35716637 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-17): Sufficient Cure Provided At Closing |  | 11/17/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 648 | 35716640 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted] |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): The guideline matrix for the [redacted] Flexible Advantage program N [redacted]F allow FICO scores down to [redacted]with applicable LTV and reserve requirements. This loan meets those requirements, and therefore has an acceptable FICO score. | 11/25/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 648 | 35716641 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted] |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): The guideline matrix for the Carrington Flexible Advantage program N [redacted]F allow FICO scores down to [redacted] with applicable LTV and reserve requirements. This loan meets those requirements, and therefore has an acceptable FICO score. | 11/25/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 649 | 35716646 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f) [redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-11-13): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/13/2025 |  | 1 A |  | WA | Primary | Refinance - Limited Cash-out GSE | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 649 | 35716647 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted] [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted] business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower's receipt of the AVM was not located in the file. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): Evidence [redacted] delivered to the borrower uploaded. | 01/27/2026 |  |  | 1 A |  | WA | Primary | Refinance - Limited Cash-out GSE | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 649 | 35716648 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | The AVM reflects the city of Seattle, however the appraisal reflects Des Moines. |  |  |  | Reviewer Comment (2026-01-27): Cleared.<br>Buyer Comment (2026-01-22): Attached complete AVM. It was ordered as [redacted]th St., [redacted], [redacted] [redacted] (page [redacted]) but the valuation report changes the city name because [redacted], [redacted], is part of the Seattle metro area. The appraisal is correct. | 01/27/2026 |  |  | 1 A |  | WA | Primary | Refinance - Limited Cash-out GSE | A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 652 | 35716656 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $[redacted] is less than Guideline minimum loan amount of $[redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-11-18): Client elects to waive with compensating factors. |  |  | 11/18/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 653 | 35716663 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H- [redacted] form was used, the H- [redacted] form should have been used. |  |  |  |  | Buyer Comment (2025-11-19): Accept |  |  | 11/19/2025 | 2 B |  | LA | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 654 | 35716666 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD- [redacted]/Final Closing Disclosure. | Initial escrow account statement does not match charges on Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-03): Attached is the [redacted] signed at closing. Note both this and the consummation CD are correct, as the property tax is $[redacted] and the hazard insurance was not included in escrow payments. Page [redacted] of the CD confirms this. | 12/04/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 654 | 35716667 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2025-12-04): Cleared. | 12/04/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 654 | 35716668 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2025-12-04): Cleared. | 12/04/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 655 | 35716670 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing. Sec ID: [redacted] |  | [redacted]valuation is missing. |  |  |  | Reviewer Comment (2025-11-25): Cleared.<br>Buyer Comment (2025-11-20): field review uploaded to loan file [redacted] along with delivery to borrower[redacted] | 11/25/2025 |  |  | 1 D A |  | NV | Primary | Purchase | D A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 655 | 35716673 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]D/ [redacted] was not provided. |  |  |  |  |  | Reviewer Comment (2025-11-28): Cleared.<br>Buyer Comment (2025-11-25): [redacted]d uploaded | 11/28/2025 |  |  | 1 A |  | NV | Primary | Purchase | D A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 656 | 35716675 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification documentation is missing. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-02): tax verification uploaded | 12/04/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 656 | 35716676 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet seasoning requirement for C/O. (ownership for [redacted] months. Borrower has had [redacted]% ownership since [redacted] & [redacted]% ownership since [redacted]) | Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-11-21): Client elects to waive with compensating factors. |  |  | 11/21/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 656 | 35716677 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted] [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. The [redacted] & [redacted] proofs of delivery in file indicates there were earlier reports which are not in the file |  |  |  | Buyer Comment (2025-12-02): accept |  |  | 12/02/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 657 | 35716679 |  | Compliance | Compliance | Federal Compliance | TILA | TILA - Impermissible Prepayment Penalty | Truth in Lending Act ([redacted] [redacted]): Covered transaction contains impermissible prepayment penalty. |  |  |  |  |  | 12/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 657 | 35716680 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay ([redacted] [redacted]: Guidelines require [redacted] or more consecutive months bank statements. |  |  |  |  |  | 12/12/2025 |  |  | 1 A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 657 | 35716681 |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  | 12/05/2025 |  |  | 1 B A |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 659 | 35716684 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non- warrantable condo not allowed. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for Down payment & closing(No gifts or DPA).<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-21): Client elects to waive with compensating factors. |  |  | 11/21/2025 | 2 B |  | NY | Investment | Purchase | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 661 | 35716691 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural property not permitted. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than[redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | [redacted]+ years on job.<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-11-21): Client elects to waive with compensating factors. |  |  | 11/21/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 662 | 35716696 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2025-11-26): accept |  |  | 11/26/2025 | 1 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 662 | 35716697 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for: Excessive [redacted] (Guidelines allow for [redacted] in the past [redacted]months, borrower has had [redacted]). | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | [redacted]+ years on job.<br>Residual income is greater than $[redacted]<br>Low housing ratio [redacted]% or less.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-11-21): Client elects to waive with compensating factors. |  |  | 11/21/2025 | 2 B |  | OK | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 663 | 35716698 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Buyer Comment (2025-12-02): accept |  |  | 12/02/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 663 | 35716700 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD [redacted]/Final Closing Disclosure. | The post close CD issued [redacted]eflects initial escrow payment which does not match the initial escrow account statement. |  |  |  | Buyer Comment (2025-12-02): accept |  |  | 12/02/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 663 | 35716702 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount not provided |  |  |  | Reviewer Comment (2026-01-16): Final title provided.<br>Reviewer Comment (2026-01-16): ..<br>Buyer Comment (2025-12-02): accept | 01/16/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 663 | 35716703 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level [redacted] valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | [redacted] valuation not provided for securitization. |  |  |  | Buyer Comment (2025-12-02): accept |  |  | 12/02/2025 | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 665 | 35716710 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Home Inspection Fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-25): [redacted] Received Attestation for fee name variation on LE and CD.<br>Buyer Comment (2025-11-24): The original LE discloses $[redacted]final inspection fee, which is the same as the inspection fee for $[redacted]on the CD, see attestation uploaded. | 11/25/2025 |  |  | 1 C A |  | CA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 668 | 35716719 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted](a)([redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan. Although the loan file contains the T- [redacted]Endorsement, there is no evidence the Title Policy includes the [redacted] T- [redacted] endorsement. (The loan is a [redacted] Section [redacted] (a)([redacted]) home equity loan.) |  |  |  |  | Buyer Comment (2025-11-26): accept |  |  | 11/26/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 669 | 35716720 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD- [redacted]/Final Closing Disclosure. |  |  |  |  | Buyer Comment (2025-11-26): accept |  |  | 11/26/2025 | 2 B |  | SC | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 669 | 35716722 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unverifiable housing history (Guideline: [redacted] month satisfactory housing history or living rent free is required) | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Substantial Cash Reserves<br>Borrower's own funds used for Down Payment & closing (No Gifts or DPA)<br>Excellent Credit Management with FICO[redacted]+<br>[redacted]+ Years on job<br>Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided |  |  | 01/22/2026 | 2 B |  | SC | Primary | Purchase | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 671 | 35716727 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-18): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-16): attestation letter<br>Reviewer Comment (2025-12-12): [redacted]: Provided PCCD does not reflects actual refund amount provided to borrower. Moreover, provided LOX also does not specify about the refund amount and reason for the refund provided to the borrower. Corrected CD is required with lender cure of $[redacted] in inner column of section J or provide detailed LOX with reason for the refund was given to the borrower to complete remediation.<br>Buyer Comment (2025-12-10): please note date of cure and pccd for increase in appraisal report fee. Our cover letters do not specify exact fee cured but cure check, fedex label and updated pccd is what we provide to satisfy condition. Please escalate if needed. Thank you<br>Reviewer Comment (2025-12-04): [redacted] received [redacted] LOE, copy of refund check and proof of mailing but the [redacted] does not shows the cure amount on it also the LOE does not specify the details of cure provided for fee and amount.<br> Please provide either of corrected[redacted] or detailed LOE to cure the exception.<br>Buyer Comment (2025-12-03): pccd with cover letter and cure check with [redacted] label uploaded<br>Buyer Comment (2025-12-03): pccd with cover letter and cure check with[redacted] label uploaded |  | 12/18/2025 |  | 2 C B |  | CT | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 672 | 35716728 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-12-04): cleared.<br>Buyer Comment (2025-12-03): appraisal delivery | 12/04/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 673 | 35716732 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-12-05): Cleared.<br>Buyer Comment (2025-12-03): appraisal delivery | 12/05/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 673 | 35716733 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted]) business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-12-05): Cleared. | 12/05/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 673 | 35716734 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]Insufficient or no cure was provided to the borrower. | Lender Credits was added on closing disclosure issued [redacted]. Final Lender Credit of $[redacted] exceeds tolerance of $- [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-04): [redacted] received rate lock and COC dated 10/16.<br>Buyer Comment (2025-12-03): lock, coc and disclosure tracking support borrower's receipt of pricing adjustment for property type (rural) | 12/04/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 673 | 35716737 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property exceeds max acreage allowed (Guidelines allow for a max of [redacted] acres, actual acreage is [redacted]). | Borrower has verified disposable income of at least $[redacted].[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted]<br>Excellent Credit Management with FICO [redacted]+<br>Low housing ratio of [redacted]% or less | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 673 | 35716738 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not have a [redacted]-year history of being self-employed (Guidelines require a minimum of [redacted] years of being self-employed). | Borrower has verified disposable income of at least $[redacted].[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted]<br>Excellent Credit Management with FICO [redacted]+<br>Low housing ratio of [redacted]% or less | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 673 | 35716739 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LTV to [redacted]% (Max LTV is [redacted]% for a rural property). | Borrower has verified disposable income of at least $[redacted].[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted]<br>Excellent Credit Management with FICO [redacted]+<br>Low housing ratio of [redacted]% or less | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 673 | 35716740 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] Review & Approval of Rural Property, not provided. | Borrower has verified disposable income of at least $[redacted].[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income greater than $[redacted]<br>Excellent Credit Management with FICO [redacted]+<br>Low housing ratio of [redacted]% or less | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 677 | 35716747 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted] [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Buyer Comment (2025-12-02): accept |  |  | 12/02/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 678 | 35716753 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H- [redacted] form was used, the H- [redacted] form should have been used. | Notice of Right to Cancel was executed on H- [redacted]format instead of H- [redacted]ormat, the refinance is done by same creditor. |  |  |  | Buyer Comment (2025-12-02): . |  |  | 12/02/2025 | 2 B |  | AZ | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 680 | 35716756 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  | [redacted]Rent Comparison Schedule is not provided. |  |  |  | Reviewer Comment (2025-12-17): [redacted] received, exception cleared.<br>Buyer Comment (2025-12-17): appraisal with[redacted] uploaded. | 12/17/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Debt Consolidation | C A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 681 | 35716758 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | Guidelines allow for maximum late mortgage payments of [redacted]. The borrowers had [redacted] [redacted]-day late mortgage payments reported [redacted] and [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-26): Lender exception with compensating factors.<br>Reviewer Comment (2026-01-26): ...<br>Reviewer Comment (2025-12-01): Client elects to waive with compensating factors. |  |  | 01/26/2026 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| [redacted] | [redacted] | [redacted] | 682 | 35716759 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Buyer Comment (2025-12-08): Approve |  |  | 12/08/2025 | 2 A B |  | CO | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 683 | 35716767 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-12-02): Sufficient Cure Provided within [redacted] Days of Closing |  | 12/02/2025 |  | 1 A |  | CA | 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) A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 683 | 35716768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC found in file nor cure provided to borrower at closing. |  |  |  | Reviewer Comment (2025-12-05): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2025-12-04): [redacted] is CD showing sufficient cure. D[redacted] is lender LOE, pay history uploaded. | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 686 | 35716778 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-12-10): Documents provided, exception cleared.<br>Buyer Comment (2025-12-09): The [redacted] XXXX property taxes are documented on page[redacted] of XXXX, parcel number [redacted] Page [redacted]confirms the address and parcel number. The full payment for [redacted]Auburn is documented on the mortgage statement on page [redacted] showing escrow includes taxes and insurance. | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 686 | 35716782 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification documentation for REO # [redacted]7 and # [redacted] |  |  |  | Reviewer Comment (2025-12-10): Documents provided, exception cleared.<br>Buyer Comment (2025-12-09): The [redacted] XXXX property taxes are documented on page [redacted] of XXXX, parcel number[redacted] Page [redacted] confirms the address and parcel number. The full payment for [redacted]Auburn is documented on the mortgage statement on page [redacted]showing escrow includes taxes and insurance. | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 686 | 35716783 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted][redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan discrepancy due to missing verification documentation for REO # [redacted] and # [redacted] |  |  |  | Reviewer Comment (2025-12-10): System cleared.<br>Buyer Comment (2025-12-09): The [redacted] XXXX property taxes are documented on page [redacted]of XXXX, parcel number [redacted] Page [redacted] confirms the address and parcel number. The full payment for[redacted]Auburn is documented on the mortgage statement on page [redacted], showing escrow includes taxes and insurance. | 12/10/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 686 | 35716784 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted] [redacted]): 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.) | Missing verification documentation for REO # [redacted] and # [redacted]. |  |  |  | Reviewer Comment (2025-12-10): System cleared.<br>Buyer Comment (2025-12-09): The [redacted] XXXX property taxes are documented on page [redacted]of XXXX, parcel number [redacted]. Page[redacted] confirms the address and parcel number. The full payment for [redacted] Auburn is documented on the mortgage statement on page [redacted] showing escrow includes taxes and insurance. | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 686 | 35716785 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]k [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall to missing verification documentation for REO # [redacted]and # [redacted] |  |  |  | Reviewer Comment (2025-12-10): System cleared.<br>Buyer Comment (2025-12-09): The [redacted] XXXX property taxes are documented on page[redacted] of XXXX, parcel number [redacted] Page[redacted] confirms the address and parcel number. The full payment for [redacted] Auburn is documented on the mortgage statement on page [redacted], showing escrow includes taxes and insurance. | 12/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 687 | 35716789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract or Title Search Fee was not disclosed on the Loan Estimate. A valid change of circumstance is not provided for fee increase. The cure provided at closing ($[redacted]) is insufficient to address the tolerance violation. As fee is paid to a lender affiliate and borrower did not shop for services, a [redacted]% tolerance is applied. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-04): Abstract is the same as title examination shown in original LE, see uploaded attestation | 12/04/2025 |  |  | 1 C A |  | GA | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 688 | 35716793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $- [redacted]exceeds tolerance of $[redacted]Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $- [redacted] exceeds tolerance of $- [redacted]Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-15): [redacted] received a valid COC.<br>Buyer Comment (2025-12-12): The pricing change is because the LTV increased to over [redacted]%, whereas the previous pricing was based on LTV between [redacted]% and [redacted]%. Lock info attached.<br>Reviewer Comment (2025-12-10): [redacted] received COC for loan amount change, however the lender credit change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Cure documents consist of [redacted] LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-12-09): The lender credit decreased on [redacted] in conjunction with an increase to the loan amount from $[redacted] to $[redacted]. This is a valid COC. | 12/15/2025 |  |  | 1 C A |  | FL | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 688 | 35716794 |  | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of [redacted] years. |  | Business in existence for less than [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Excellent Credit Management with FICO[redacted]+. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-01): Client elects to waive with compensating factors. |  |  | 12/01/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 689 | 35716798 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-12-15): RTC received for all parties.<br>Buyer Comment (2025-12-12): cover letter, nortc form and [redacted] label for delivery<br>Buyer Comment (2025-12-12): cover letter, nortc form and f [redacted] label for delivery<br>Buyer Comment (2025-12-12): cover letter, nortc form and [redacted]label for delivery<br>Buyer Comment (2025-12-12): [redacted] |  | 12/15/2025 |  | 2 C B |  | NY | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 689 | 35716799 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted]threshold. | Exception Cured by Post-Close CD |  |  |  | Reviewer Comment (2025-12-15): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted] label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted] label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted] label and [redacted]with cover letter uploaded |  | 12/15/2025 |  | 2 C B |  | NY | 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 i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 689 | 35716800 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] 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 [redacted]). | Disclosed Amount Financed is $[redacted]. Due Diligence Amount Financed is $[redacted]. There is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-12-15): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-12-12): Cover letter, [redacted], cure check, [redacted]label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, [redacted], cure check, [redacted] label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted] label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted]label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted] label and PCCD with cover letter uploaded |  | 12/15/2025 |  | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 689 | 35716801 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charge is $[redacted] Due Diligence Finance Charge is $[redacted] There is a variance of $[redacted] |  |  |  | Reviewer Comment (2025-12-15): [redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted]label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, NORTC, cure check, [redacted] label and PCCD with cover letter uploaded<br>Buyer Comment (2025-12-12): Cover letter, [redacted]cure check, [redacted] label and PCCD with cover letter uploaded |  | 12/15/2025 |  | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 689 | 35716802 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | [redacted]+ years on job.<br>Residual income is greater than $[redacted]<br>Excellent Credit Management with FICO [redacted]+.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-02): Client elects to waive with compensating factors. |  |  | 12/02/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 689 | 35716803 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted] [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |  |  |  | Reviewer Comment (2025-12-02): Lender exception with compensating factors, system cleared. | 12/02/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 689 | 35716804 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]. |  |  |  | Reviewer Comment (2025-12-02): Lender exception with compensating factors, system cleared. | 12/02/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 689 | 35716805 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted] [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | [redacted]+ years on job.<br>Residual income is greater than $[redacted]<br>Excellent Credit Management with FICO [redacted]+.<br>Total monthly payment savings of at least $[redacted] to $[redacted] per month. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-12-02): Client elects to waive with compensating factors. |  |  | 12/02/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 690 | 35716807 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted] [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-12-05): Cleared.<br>Buyer Comment (2025-12-04): Installment debt reported with less than [redacted]months due ([redacted] months) should be excluded from DTI Premier [redacted] acct # [redacted] | 12/05/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 690 | 35716809 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted] [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. |  |  |  | Reviewer Comment (2025-12-05): Cleared.<br>Buyer Comment (2025-12-04): Installment debt reported with less than [redacted] months due ([redacted] months) should be excluded from DTI Premier America acct # [redacted] | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 690 | 35716810 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |  |  |  | Reviewer Comment (2025-12-05): Cleared.<br>Buyer Comment (2025-12-04): Installment debt reported with less than [redacted]months due ([redacted] months) should be excluded from DTI Premier [redacted]acct # [redacted] | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 690 | 35716811 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-12-05): Cleared.<br>Buyer Comment (2025-12-04): Installment debt reported with less than [redacted]months due [redacted] months) should be excluded from DTI Premier [redacted]acct # [redacted] | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 691 | 35716816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted] on the initial Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-12-15): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-12-12): pccd with cover letter and principal reduction |  | 12/15/2025 |  | 2 C B |  | AZ | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 691 | 35716817 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[redacted]. Guidelines require [redacted]months of reserves for this loan ($[redacted]), and there are only [redacted] months of reserves verified ($[redacted]). |  |  |  | Reviewer Comment (2025-12-11): Additional assets provided, exception cleared.<br>Buyer Comment (2025-12-10): august and september [redacted]bank statements uploaded<br>Buyer Comment (2025-12-10): [redacted]pdated in error, please disregard upload [redacted][redacted]<br>Buyer Comment (2025-12-10): updated [redacted] with [redacted]acct removed<br>Reviewer Comment (2025-12-04): Missing bank statements for the [redacted] savings account reflected on the final [redacted] to verify required reserves.<br>Buyer Comment (2025-12-04): Program allows for cash proceeds to be included in reserve requirement; based on cash proceeds and savings documented borrower has [redacted] months reserves | 12/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 691 | 35716818 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]finding due to shortage of reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-12-11): Additional assets provided, exception cleared.<br>Buyer Comment (2025-12-10): [redacted]and [redacted] [redacted]bank stmt<br>Buyer Comment (2025-12-10): [redacted]and [redacted]redacted]bank stmt<br>Buyer Comment (2025-12-10): [redacted]and september [redacted] bank statements uploaded<br>Reviewer Comment (2025-12-04): Missing bank statements for the [redacted] savings account reflected on the final [redacted] to verify required reserves.<br>Buyer Comment (2025-12-04): Program allows for cash proceeds to be included in reserve requirement; based on cash proceeds and savings documented borrower has [redacted]months reserves | 12/11/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 691 | 35716819 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted]finding due to shortage of reserves. |  |  |  | Reviewer Comment (2025-12-11): Additional assets provided, exception cleared.<br>Buyer Comment (2025-12-10): [redacted]and [redacted] [redacted] bk stmt<br>Buyer Comment (2025-12-10): [redacted] and [redacted] [redacted] bk stmt<br>Reviewer Comment (2025-12-04): Missing bank statements for the [redacted]savings account reflected on the final [redacted] to verify required reserves.<br>Buyer Comment (2025-12-04): Program allows for cash proceeds to be included in reserve requirement; based on cash proceeds and savings documented borrower has [redacted] months reserves | 12/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 691 | 35716820 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of [redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee was disclosed as $[redacted] on the initial Loan Estimate but was disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. As fee is paid to a lender affiliate and borrower did not shop for services, a [redacted]% tolerance is applied. |  |  |  | Reviewer Comment (2025-12-15): [redacted] Received Corrected [redacted], [redacted] and Payment history.<br>Buyer Comment (2025-12-12): pccd with cover letter and principal reduction applied |  | 12/15/2025 |  | 2 C B |  | AZ | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 691 | 35716821 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H- [redacted]form was used, the H- [redacted]form should have been used. | Per title commitment, new lender is prior originating lender of [redacted]st lien. For a scenario where there are multiple payoffs to different creditors, where at least one payoff is to the <br> original creditor, [redacted]has been advised by its counsel that use of the H- [redacted] form would be more <br> appropriate. |  |  |  | Buyer Comment (2025-12-04): accept grade [redacted]exception |  |  | 12/04/2025 | 2 B |  | AZ | 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 B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 693 | 35716824 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Thus, the mailbox rule applies reflecting receipt date by borrower on [redacted] which is not [redacted] business days prior to closing. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2025-12-09): . |  |  | 12/09/2025 | 2 B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 693 | 35716826 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey fee changed to [redacted] on the Closing Disclosure dated [redacted] A valid change of circumstance was not provided for fee change, and no evi-dence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-12-12): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-12-11): The comment on the Funder CD is cut off, but it says "SURVEY FEE - BORROWER REQUESTED" when expanded. The underwriter did not condition for the survey, and the survey is noted in the purchase contract which was signed prior to the application date. Attached are the invoice for the survey and a PCCD moving the survey fee to section H, which would have been the appropriate placement.<br>Reviewer Comment (2025-12-10): [redacted] is unable to determine from the file whether the lender or title company required 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 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>Buyer Comment (2025-12-09): The increase to the Survey Fee was disclosed on [redacted] with the attached COCs. | 12/12/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 693 | 35716828 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard insurance policy effective date [redacted] if prior to the Note date [redacted] and same as the disbursement date of [redacted]. |  |  |  | Reviewer Comment (2025-12-10): Effective date same as the disbursement date, exception cleared.<br>Buyer Comment (2025-12-09): For additional context, this was a mail-away closing, and so for funds to disburse on the transaction closing date the borrower had to sign the day before.<br>Buyer Comment (2025-12-09): Per the purchase contract, the closing date was [redacted]. The insurance could not take effect before the borrower owned the property. | 12/10/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 694 | 35716830 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID:[redacted] |  |  |  |  |  | Reviewer Comment (2026-01-12): Cleared.<br>Buyer Comment (2026-01-08): Please note, there is an appraisal, an AVM, desk review and field review included in the file that meet the guideline requirements. | 01/12/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 694 | 35716832 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted][redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | No documentation in the file to evidence borrower was provided with a copy of valuation[redacted]([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-12): Cleared. | 01/12/2026 |  |  | 1 A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 694 | 35716833 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level [redacted]valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | A lower level tertiary product that does not support the qualifying value. Exception is an EV2 which can be elected to waive. |  |  |  | Buyer Comment (2026-01-14): Approve |  |  | 01/14/2026 | 2 A B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 695 | 35716837 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo exception is acceptable. [redacted] due to new construction, however a significant portion of the project has already been built with [redacted] units sold & [redacted]+ under contract of [redacted] total contemplated. Large national homebuilder (Pulte). | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Residual income greater than $[redacted]<br>Substantial Cash Reserves<br>Borrower's own funds used for Down Payment & closing (No Gifts or DPA)<br>[redacted]+ Years on job<br>Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2026-01-22): Lender exception provided. |  |  | 01/22/2026 | 2 B |  | MI | Primary | Purchase | A B | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 696 | 35716839 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 12/11/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 696 | 35716840 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  | 12/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 696 | 35716841 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted] [redacted]: Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  | 12/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 696 | 35716843 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  |  |  | 11/26/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | 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 | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 696 | 35716844 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([redacted] [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  | 12/10/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716848 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted]Statements are missing for Account# [redacted] for [redacted][redacted]and from [redacted] - [redacted]for Account# [redacted] |  |  |  | Reviewer Comment (2025-12-12): Statements provided, exception cleared.<br>Buyer Comment (2025-12-10): [redacted] statement<br>Reviewer Comment (2025-12-05): [redacted]bank statement for acct # [redacted] is missing.<br>Buyer Comment (2025-12-04): [redacted] - [redacted][redacted]acct # [redacted] [redacted] stmt for acct [redacted] not required, we have [redacted]consecutive months documented. | 12/12/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716849 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Bank Statement is missing for Account# [redacted] for July[redacted] |  |  |  | Reviewer Comment (2025-12-16): Income worksheet provided, exception cleared.<br>Buyer Comment (2025-12-16): income workbook<br>Reviewer Comment (2025-12-14): Document reflects accounts [redacted]and [redacted]. Worksheet needed for account ending [redacted]<br>Buyer Comment (2025-12-12): account is listed on worksheet, see [redacted] page [redacted]of [redacted]<br>Reviewer Comment (2025-12-12): Statement provided, please provide [redacted] worksheet for this account.<br>Buyer Comment (2025-12-10): [redacted] bank stmt<br>Reviewer Comment (2025-12-05): [redacted]bank statement for acct # [redacted]is missing.<br>Buyer Comment (2025-12-04): [redacted]not needed, [redacted] consecutive months documented | 12/16/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716850 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [redacted]Statements are missing from [redacted]- [redacted]for Account# [redacted]. |  |  |  | Reviewer Comment (2025-12-12): Statements provided, exception cleared.<br>Buyer Comment (2025-12-10): [redacted]bk stmt<br>Reviewer Comment (2025-12-05): [redacted] bank statement for acct # [redacted] is missing.<br>Buyer Comment (2025-12-04): [redacted]- [redacted]stmts acct # [redacted] | 12/12/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716851 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Exception approved at origination: Borrower does not meet the reserve requirements (Guidelines require [redacted] months). | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-02): Client elects to waive with compensating factors. |  |  | 12/02/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716853 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted] [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to assets and income requirements not met. |  |  |  | Reviewer Comment (2025-12-16): Statements provided, system cleared.<br>Buyer Comment (2025-12-16): income workbook<br>Reviewer Comment (2025-12-14): Document reflects accounts [redacted] and [redacted]. Worksheet needed for account ending [redacted]<br>Buyer Comment (2025-12-12): account is listed on worksheet, see [redacted] page [redacted]<br>Reviewer Comment (2025-12-12): Statements provided, please provide [redacted]worksheet for account ending [redacted]<br>Buyer Comment (2025-12-10): [redacted]stmt<br>Reviewer Comment (2025-12-05): [redacted] bank statement for acct # [redacted]is missing.<br>Buyer Comment (2025-12-04): [redacted] - [redacted] stmts acct # [redacted] [redacted] stmt for acct [redacted] not required, we have [redacted] consecutive months documented. | 12/16/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 698 | 35716854 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to assets and income requirements not met. |  |  |  | Reviewer Comment (2025-12-16): Statements provided, system cleared.<br>Buyer Comment (2025-12-16): income workbook<br>Reviewer Comment (2025-12-14): Document reflects accounts [redacted]and [redacted]. Worksheet needed for account ending [redacted]<br>Buyer Comment (2025-12-12): account is listed on worksheet, see [redacted] page [redacted]of [redacted]<br>Reviewer Comment (2025-12-12): Statements provided, please provide [redacted]orksheet for account ending [redacted]<br>Buyer Comment (2025-12-10): [redacted]stmt<br>Reviewer Comment (2025-12-05): [redacted] [redacted] bank statement for acct # [redacted] is missing.<br>Buyer Comment (2025-12-04): [redacted]- [redacted] stmts acct # [redacted]; July stmt for acct [redacted] not required, we have [redacted] consecutive months documented. | 12/16/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716857 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-28): Sufficient Cure Provided At Closing |  | 11/28/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [redacted] | [redacted] | [redacted] | 698 | 35716858 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Bank Statements are missing from [redacted] -[redacted]for Account#[redacted] |  |  |  | Reviewer Comment (2025-12-12): Statements provide, exception cleared.<br>Buyer Comment (2025-12-10): [redacted]stmt<br>Reviewer Comment (2025-12-05): [redacted] [redacted] bank statement for acct # [redacted] is missing.<br>Buyer Comment (2025-12-04): April - June stmts acct # [redacted] | 12/12/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716859 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted][redacted]): 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.) | [redacted]Statements are missing from [redacted][redacted] for Account# [redacted] |  |  |  | Reviewer Comment (2025-12-16): Statements provided, system cleared.<br>Buyer Comment (2025-12-16): income workbook for acct ending [redacted]<br>Reviewer Comment (2025-12-14): Document reflects accounts [redacted]and [redacted] Worksheet needed for account ending [redacted]<br>Buyer Comment (2025-12-12): account is listed on worksheet, see [redacted]page [redacted] of [redacted]<br>Reviewer Comment (2025-12-12): Statement provided, please provide [redacted]worksheet for account ending [redacted]<br>Buyer Comment (2025-12-10): [redacted] stmt<br>Reviewer Comment (2025-12-05): [redacted][redacted] bank statement for acct # [redacted]s missing.<br>Buyer Comment (2025-12-04): [redacted]- [redacted] stmts acct # [redacted] | 12/16/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 698 | 35716860 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Exception approved at origination: Borrower does not meet the reserve requirements (Guidelines require [redacted] months). | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-02): Client elects to waive with compensating factors. |  |  | 12/02/2025 | 2 B |  | NY | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [redacted] | [redacted] | [redacted] | 699 | 35724019 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Please provide a post-disaster inspection verifying there was no damage from Hurricane Milton. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2025-02-25): [redacted]D reflecting [redacted] inspection date, stating no damage.<br>Buyer Comment (2025-02-24): [redacted] | 02/25/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 699 | 35724020 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided |  | Information not provided in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-03-03): 1003 Error: Birth Date was not provided<br> Exception Detail:<br> Borrower: [redacted]<br> -<br> Exception Information:<br> Information not provided in the file.<br>Buyer Comment (2025-02-28): Lender accepts. Please waive with available compensating factors |  |  | 03/03/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 699 | 35724021 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC is missing in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-03-03): OFAC is missing in the file. Waived at client request.<br>Buyer Comment (2025-02-28): Lender accepts. Please waive with available compensating factors |  |  | 03/03/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 699 | 35724023 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a credit application/1003 for[redacted]. All Guarantors are required to provide a 1003 or similar application. Additional conditions may apply. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-03-03): Provide a credit application/1003 for[redacted]. All Guarantors are required to provide a 1003 or similar application. Additional conditions may apply.. Waived at client request.<br>Buyer Comment (2025-02-28): Lender accepts. Please waive with available compensating factors |  |  | 03/03/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 699 | 35724024 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC required for all parties involved in the transaction. Missing for [redacted]Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC | Reviewer Comment (2025-03-03): Exception ID: [redacted]/ Loan Exception ID: [redacted]<br> Document Inventory<br> Missing Document: OFAC not provided<br> Exception Information:<br> OFAC required for all parties involved in the transaction. Missing for [redacted]Guarantor.<br> Waived at client request.<br>Buyer Comment (2025-02-28): Lender accepts. Please waive with available compensating factors |  |  | 03/03/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 700 | 35724026 |  | 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 ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Require [redacted]months proof of rent to consider actual rent and the file only has one monthly check to verify rent. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC | Reviewer Comment (2025-04-03): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-04-02): exception |  |  | 04/03/2025 | 2 C B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 701 | 35726511 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | As per AUS, Asset statement covering [redacted]months period is required. File contains [redacted]Month statement from [redacted]. ACCT# [redacted] |  |  |  | Reviewer Comment (2024-11-13): [redacted] months statement provided in the file. Refer new exception as result of document provided for asset shortfall. exception cleared<br>Buyer Comment (2024-11-11): lox | 11/13/2024 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 701 | 35726512 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | New Exception as result of documentation provided. Available for Reserves of $[redacted]is less than AUS Available for Reserves of $[redacted].(Cash to close tested Cash from borrower per CD $[redacted] EMD + PCOB $[redacted] and available asset is $[redacted]Checking Account # [redacted] EMD = $[redacted]) |  |  |  | Reviewer Comment (2025-01-03): Re-tested PCCD.<br>Buyer Comment (2025-01-02): Per the lender : From [redacted] in response last week: "TPR calculation for the cash to close is: $[redacted](Total Cost from Line J on CD) + $[redacted](Down payment/funds from Bwr pg [redacted]of CD) - $[redacted](adjustment and other credits pg [redacted]on CD) + $[redacted](Real Estate Agent Adjustment pg [redacted]on CD) = $[redacted]= Calculated Cash to Close"<br>(I am not sure why based on the above the real estate credit adjustment or any other credits are being added in as additional assets to be verified?)<br>Per the final AUS and [redacted], the funds to close is $[redacted]and reserves required $[redacted], totaling $[redacted]<br> Total verified assets in file are $[redacted](sufficient and matches AUS) <br> The Final CD at closing did reflect a total of $[redacted], however a PCCD was issued on [redacted] reflecting a credit of $[redacted] and a cash to close figure of $[redacted], which when added to the reserves to be required of $[redacted]totals $[redacted], which is still less than the total verified assets of $[redacted]. <br>Total funds plus reserves are not insufficient when compared to total verified assets as per the final [redacted]or AUS, or the Post Consummation CD<br>Reviewer Comment (2024-12-17): Our calculation for the cash to close is: $[redacted](Total Cost from Line J on CD) + $[redacted](Down payment/funds from Bwr pg [redacted] of CD) - $[redacted](adjustment and other credits pg [redacted] on CD) + $[redacted](Real Estate Agent Adjustment pg [redacted] on CD) = $[redacted]= Calculated Cash to Close<br>Buyer Comment (2024-12-16): UW calc<br>Reviewer Comment (2024-12-06): We have received same asset document with same balance of $[redacted]. still we have short for reserves. exception remains.<br>Buyer Comment (2024-12-05): Bank Statements<br>Reviewer Comment (2024-12-04): We are short reserves. Available for Reserves of $[redacted] is less than AUS Available for Reserves of $[redacted] .(Cash to close tested Cash from borrower per CD $[redacted]+ $[redacted]EMD + PCOB $[redacted]= $[redacted] and available asset is $[redacted] Checking Account # [redacted]+ $[redacted]EMD = $[redacted])<br>Buyer Comment (2024-12-02): See attached<br>Reviewer Comment (2024-11-25): Require [redacted] months consecutive bank statement to meet fund required for closing/reserves. exception remains.<br>Buyer Comment (2024-11-22): Per Lender pccd - copy of check to borrower will be uploaded as soon as it's available. | 01/03/2025 |  |  | 1 A |  | PA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 702 | 35726513 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | 1. [redacted]Borasco lender income $[redacted]from [redacted]schedule E vs review using [redacted]and $[redacted]. Statement [redacted]for HOA add back missing. 2. [redacted] lender income -$[redacted]from [redacted]schedule E vs review using [redacted]-$[redacted]. Statement [redacted]for HOA add back missing |  |  |  | Reviewer Comment (2024-12-27): Received updated [redacted] . DTI is in line. exception cleared.<br>Buyer Comment (2024-12-27): [redacted]<br>Reviewer Comment (2024-12-19): Received updated [redacted] and AUS however [redacted] is also required. exception remains.<br>Buyer Comment (2024-12-19): [redacted] and AUS | 12/27/2024 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 703 | 35726514 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Project approval is missing in file |  |  |  | Reviewer Comment (2025-03-19): Received project approval from Fannie/Fraddie. exception cleared.<br>Buyer Comment (2025-03-19): per lender : condo analytics warranted this project, see attached | 03/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 703 | 35726515 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-03-14): No RESPA - cleared | 03/14/2025 |  |  | 1 B A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 703 | 35726516 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing CPA or CFA confirming impact for use of business funds acct# [redacted]. |  |  |  | Reviewer Comment (2025-03-20): Borrower Business income not used for qualification therefore only evidence of unrestricted access Require and File has [redacted] which confirm borrower has [redacted] Ownership of Business [redacted].. Borrower qualified with wage Income. Exception Cleared<br>Buyer Comment (2025-03-19): per lender: we are not relying on the business income to qualify. This should not be needed | 03/20/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 703 | 35726517 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Address reflected on note, security instrument, and tax certificate does not match the other documents in file. Note, security instrument, and tax cert reflects [redacted]. Appraisal, Purchase agreement, Title, Hazard, Flood Cert reflects [redacted]. |  |  |  | Reviewer Comment (2025-03-27): Received updated Title Commitment with unit address updated. exception cleared.<br>Buyer Comment (2025-03-25): Title Policy<br>Reviewer Comment (2025-03-21): Received updated Title commitment report, Flood cert, HOI policy, Purchase contract already reflected Both unit [redacted] as unit and PS <br> as Parking lot. information, however still missing updated Final Title policy with correction. Exception Remains<br>Buyer Comment (2025-03-20): updated hazard policy<br>Buyer Comment (2025-03-20): updated title cert<br>Buyer Comment (2025-03-20): Updated flood cert<br>Buyer Comment (2025-03-20): Updated purchase agreement<br>Buyer Comment (2025-03-20): Updated appraisal | 03/27/2025 |  |  | 1 A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 704 | 35726518 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Cash Flow Analysis or CPA letter is missing in file for business assets used to qualify concerning impact. |  |  |  | Reviewer Comment (2025-06-16): CPA and CFA provided.<br>Buyer Comment (2025-06-16): See comment section<br>Reviewer Comment (2025-05-23): CPA letter does not address impact as required and also missing CFA of the assets as required.<br>Buyer Comment (2025-05-23): CPA letter<br>Reviewer Comment (2025-05-08): Provide a CPA letter.<br>Buyer Comment (2025-05-06): Lender's response: Per seller - What would you like a liquidity calculation be done on when a balance sheet was not required for the Schedule C? We have provided the best liquidity available.<br>Reviewer Comment (2025-04-30): Received Liquidity ratio, however it was performed based on Business income and Business expense where it must be performed based on Company Total asset vs total lability. Exception Remains<br>Buyer Comment (2025-04-28): Liquidity<br>Reviewer Comment (2025-04-18): Received Income Calculation worksheet, however require Business asset Cashflow analysis Confirming No negative impact using business funds. Exception Remains<br>Buyer Comment (2025-04-17): Cash Flow | 06/16/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 704 | 35726519 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Required Free & Clear documents for REO properties for[redacted] |  |  |  | Reviewer Comment (2025-05-08): Title agent verified the lots had not bee fully split. Property is free and clear.<br>Buyer Comment (2025-05-06): Lender's response: Per seller - We already have the title agent's explanation that the parcel had not yet been fully split from the parent parcel so there is nothing recorded via the county to confirm what they are asking.<br>Reviewer Comment (2025-04-30): Received Property history report for "[redacted]" confirm Free and Clear However for Lot [redacted] & [redacted] [redacted] Same Tax document received which does not show Mortgage transaction history to confirm lot purchased via cash. Additionally Provided Warranty Deed noted Mortgagee [redacted]. Provide evidence confirm "Lot [redacted] & [redacted] [redacted].Free and Clear. Exception Remains<br>Buyer Comment (2025-04-28): [redacted]<br>Buyer Comment (2025-04-28): Public info doc<br>Reviewer Comment (2025-04-22): Vacant lot Lot [redacted]& [redacted] [redacted] does not have Transaction history in fraud report to verify. Require Supporting document confirming no mortgage on the property. Exception Remains<br>Buyer Comment (2025-04-21): fraud report showing the properties free and clear<br>Reviewer Comment (2025-04-18): Received Fraud Report confirms [redacted] [redacted] [redacted] is Free and clear, however Vacant lot Lot [redacted] & [redacted] [redacted] does not have Transaction history to verify, Additionally Warranty Deed noted Mortgagee [redacted] Require Supporting document confirming no mortgage on the property . Exception Remains<br>Buyer Comment (2025-04-17): Free and cleart | 05/08/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 705 | 35726520 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title commitment not provided in file. |  |  |  | Reviewer Comment (2025-05-29): Title commitment provided.<br>Buyer Comment (2025-05-29): Title<br>Buyer Comment (2025-05-28): Per Sellelr please re review [redacted]pg [redacted]. Title is correct<br>Reviewer Comment (2025-05-01): Received Title commitment report, however City name Per title, Flood, HOI, Appraisal listed as "[redacted]" whereas As per Note & Security instrument it is "[redacted]". require updated Note, Security instrument, Rider (if any) and Letter of intent to re-record mortgage Require with correction in City name. Exception remains<br>Buyer Comment (2025-04-29): title commitment | 05/29/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 705 | 35726521 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-05-07): Received CDA. refer Open exception for City name Exception Cleared<br>Reviewer Comment (2025-05-01): Disregarded per recent comment. CDA is missing<br>Buyer Comment (2025-04-29): disregard upload<br>Buyer Comment (2025-04-29): [redacted] valuation | 05/07/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 705 | 35726522 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require YTD [redacted]paystub from borrower [redacted] employer "[redacted]". |  |  |  | Reviewer Comment (2025-05-15): Received Updated 1003/1008AUS without base income as YTD paystubs does not shows Base income. Exception Cleared<br>Buyer Comment (2025-05-14): Per lender: removed the base income on B2 see attached updated urla, LPA , income debt worksheet and [redacted]<br>Buyer Comment (2025-05-14): income calc<br>Reviewer Comment (2025-05-01): Received YTD [redacted]Paystub only contained Commission income, however no Base income noted in paystub. Borrower Jonathan qualified with Base and Commission both. [redacted]YTD Base income evidence not provided. Exception Remains<br>Buyer Comment (2025-04-29): paystub and worksheet | 05/15/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 705 | 35726523 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | City name "[redacted]" as per Note and Security Instrument , 1003 not matching with "[redacted]" on Appraisal Report, Flood Cert, Hazard Policy, Final CD require corrected Note, Security Instrument and Application 1003. Zip code "[redacted]" online look up show " RECOMMENDED CITY NAME "[redacted]". |  |  |  | Reviewer Comment (2025-05-29): Corrected Note, Mtg, Rider, 1003 and CD provided.<br>Buyer Comment (2025-05-28): Note, MTG, Rider, 1003, CD, correspondence<br>Reviewer Comment (2025-05-15): exception is for Correct Note and Security instrument along with any rider (If any) and letter of intent to re-record deed with City Name as "[redacted] " as available copy shows "[redacted] " Exception remains.<br>Buyer Comment (2025-05-14): AUS<br>Buyer Comment (2025-05-14): [redacted]<br>Reviewer Comment (2025-05-07): Received CDA, however exception is for Correct Note and Security instrument along with any rider (Ifany) and letter of intent to re-record deed with City Name as "[redacted]" as available copy shows "[redacted]" Exception remains<br>Buyer Comment (2025-05-05): CDA | 05/29/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 706 | 35726524 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-05-28): HDI supports value.<br>Buyer Comment (2025-05-28): [redacted] HDI<br>Reviewer Comment (2025-05-20): As per Appraisal report market trend reflects increasing however CDA reflects market in decline. If Market trend is increasing then required appraisers comment on CDA stating market in stable or increasing trend. Exception remains.<br>Buyer Comment (2025-05-20): As of effective date of this appraisal report, [redacted] subject market was increasing which is supported by data that I've already included in appraisal report. Please see Neighborhood Marketing Conditions in Addendum, [redacted] and charts showing market trends which clearly support increasing market trends.<br>Reviewer Comment (2025-05-13): Received CDA noted market value declined, require primary appraiser to address the declining statement reported in CDA. Exception Remains<br>Buyer Comment (2025-05-13): CDA | 05/28/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 706 | 35726525 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. |  | Per appraisal, possible termite infestation. Provide satisfactory terminate inspection. |  |  |  | Reviewer Comment (2025-05-21): Received termite inspection report confirm no Termite activity Detected. Exception Cleared<br>Buyer Comment (2025-05-20): Termite | 05/21/2025 |  |  | 1 A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 707 | 35726526 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Per security instrument tenants in common vesting without a tenancy in common agreement per guidelines in file |  |  |  | Reviewer Comment (2025-06-12): Section[redacted] was being referenced in the previous comment. We feel comfortable clearing this exception.<br>Buyer Comment (2025-06-10): LOX<br>Reviewer Comment (2025-05-21): Per FNMA, you must ensure that a validly executed Tenancy-in-Common Agreement is in place prior to or at the Mortgage Loan closing. Provide the executed TIC agreement.<br>Buyer Comment (2025-05-19): LOX | 06/12/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 707 | 35726527 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-06-17): Received fraud report and associated accordingly. Exception Cleared.<br>Buyer Comment (2025-06-13): Fraud report | 06/17/2025 |  |  | 1 A |  | NY | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 708 | 35726528 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2025-05-22): Appraisal provided.<br>Buyer Comment (2025-05-21): Appraisal | 05/22/2025 |  |  | 1 B A |  | MO | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 708 | 35726529 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing purchase agreement addendum: Seller's disclosure and condition of property add and Lead Based Paint Disclosure Addendum. Added per client request. |  |  |  | Reviewer Comment (2025-06-06): Received All [redacted]Addendum Listed in Purchase contract. Exception Cleared<br>Buyer Comment (2025-06-04): PC | 06/06/2025 |  |  | 1 A |  | MO | Investment | Purchase | B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 709 | 35726531 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2025-05-28): Lender used alternate method of Verification per FNMA Guideline. Paystub within [redacted]business days of note date acceptable to meet Verification Requirement. Exception Cleared<br>Buyer Comment (2025-05-23): UW rebuttal | 05/28/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 709 | 35726532 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | New Exception as result of documentation provided, Fraud Report is missing for borrower |  |  |  | Reviewer Comment (2025-06-04): Received Fraud Report For Borrower. Exception Cleared<br>Buyer Comment (2025-06-03): Fraud Report | 06/04/2025 |  |  | 1 A |  | GA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 710 | 35726533 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Collateral Underwriter Score was not provided. CDA is required. |  |  |  | Reviewer Comment (2025-06-11): Received CDA. Exception Cleared<br>Buyer Comment (2025-06-10): CDA | 06/11/2025 |  |  | 1 D A |  | MA | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 710 | 35726534 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Require Income calculation worksheet/ Cash Flow Analysis as it is missing for all the self employment business. Also require Third Party Verification for business [redacted] |  |  |  | Reviewer Comment (2025-06-16): Income from business "[redacted]" & "[redacted] & [redacted]" not used into DTI. loss hit from other business. Wage income used for qualification. exception cleared.<br>Buyer Comment (2025-06-12): LOX<br>Reviewer Comment (2025-06-11): Received updated [redacted]/AUS/[redacted] without Business income of [redacted], however there is other Business loss of $[redacted] used for qualification without bifurcation of which business loss or profit included to get combined loss of $[redacted]. Unable to ascertain [redacted] Income has been used for qualification or not as reviewed calculation shows Positive income of $[redacted] . Exception Remains<br>Buyer Comment (2025-06-10): Per lender: Business income removed. Updated [redacted] and AUS in file (trailing docs).<br>Reviewer Comment (2025-06-06): Received income worksheet for[redacted] Business [redacted], however still missing income calculation for other Business as well along with wage income. Additionally third party verification for[redacted] and [redacted] & [redacted] is missing. Exception Remains<br>Buyer Comment (2025-06-05): Per Lender: Good Morning , This has an application date of [redacted] and file closed before [redacted] so [redacted] returns are not required per fannie mae . [redacted] attached . | 06/16/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 713 | 35726535 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates or a waiver |  |  |  | Reviewer Comment (2025-06-13): Received Original Appraisal Exception Cleared<br>Buyer Comment (2025-06-13): Appraisal | 06/13/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 713 | 35726537 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after closing. |  |  |  | Reviewer Comment (2025-06-13): Received updated HOI Policy with effective date of [redacted] same as disbursement date. Exception Cleared<br>Buyer Comment (2025-06-13): HOI effective date [redacted]<br>Reviewer Comment (2025-06-10): Received same PCCD dated [redacted] which shows Disbursement date of [redacted] and received same HOI policy which shows Effective date of [redacted]. Exception Remains<br>Buyer Comment (2025-06-09): CD<br>Buyer Comment (2025-06-09): HOI<br>Buyer Comment (2025-06-09): Per lender: Ins dec page showing the effective date is [redacted] while the PCCD shows we didn't fund till [redacted]. | 06/13/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A B |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 714 | 35726540 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Mortgage statement for property "[redacted]" to support the mortgage payment of $[redacted]and confirm if they are escrowed. if not, additional documents will be required. |  |  |  | Reviewer Comment (2025-06-12): Received First payment letter and HOA doc exception cleared.<br>Buyer Comment (2025-06-11): REO [redacted] | 06/12/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 714 | 35726541 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide Following document for the property "[redacted]"<br> (1) Mortgage statement to support mortgage payment of $[redacted]and confirm if escrowed. if not escrowed then additional document will be requested.<br> (2) HOA verification.<br> (3) Lease agreement to confirm the month rent to calculate the monthly rental income. |  |  |  | Reviewer Comment (2025-06-23): Received Lease agreement with extension of lease. Exception Cleared<br>Buyer Comment (2025-06-20): Extension agreement<br>Buyer Comment (2025-06-20): Lease extension<br>Reviewer Comment (2025-06-18): Received Lease agreement which has expired on [redacted]. Unexpired and executed lease agreement is required that reflects the monthly rent as $[redacted] . Exception remains.<br>Buyer Comment (2025-06-16): Lease<br>Reviewer Comment (2025-06-13): Mistakenly Cleared "Received Note CD and First payment letter to verify PITIA. however still missing Rental income of $[redacted] evidence. Exception remains<br>Reviewer Comment (2025-06-13): Received Note CD and First payment letter to verify PITIA. however still missing Rental income of $1900 evidence. Exception Cleared<br>Buyer Comment (2025-06-11): [redacted] REO | 06/23/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 716 | 35726545 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider -[redacted] Family not provided |  | Require [redacted] Family Rider as it is missing in file. |  |  |  | Reviewer Comment (2025-06-24): Received [redacted] Family Rider. Exception Cleared<br>Buyer Comment (2025-06-23): [redacted] Family Rider | 06/24/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 716 | 35726546 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided |  | Require Condominium Rider as it is missing in file. |  |  |  | Reviewer Comment (2025-06-24): Received Condo Rider. Exception Cleared<br>Buyer Comment (2025-06-23): Condo Rider | 06/24/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 717 | 35726549 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require Fraud Report as it is missing in file for all the [redacted]borrowers. |  |  |  | Reviewer Comment (2025-06-18): Received Fraud report for all [redacted] borrowers and associated accordingly. Exception Cleared<br>Buyer Comment (2025-06-18): Fraud Report | 06/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 717 | 35726550 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Unable to ascertain tax amount and insurance amounts for [redacted]. Appears to be two different policies, blanket and in walls. Confirm blanket premium and how it relates to[redacted] |  |  |  | Reviewer Comment (2025-06-19): Received HO6 Policy For [redacted] Unit [redacted] with insurance verification, Final CD already provided on the file which noted Tax and insurance amount of $[redacted] therefore remaining amount of $[redacted] considered as Tax verification. Additionally Subject is [redacted] to [redacted] Unit condo project with no HOA Fee. however master policy published for combined Unit i.e. Unit [redacted] & [redacted] , therefore Half annual premium used as other insurance for Unit [redacted] and Other half used for unit [redacted] . Exception Cleared<br>Buyer Comment (2025-06-18): Insurance Discl. | 06/19/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 718 | 35726551 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require Fraud Report as it is missing in file. |  |  |  | Reviewer Comment (2025-06-25): Fraud Report Received. Exception Cleared<br>Buyer Comment (2025-06-25): Fraud Report | 06/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 718 | 35726553 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide the Taxes and Insurance document for property [redacted]. |  |  |  | Reviewer Comment (2025-07-03): Received updated AUS and 1003 with Correction in DTI. Exception Cleared<br>Buyer Comment (2025-07-02): AUS<br>Buyer Comment (2025-07-02): [redacted]<br>Reviewer Comment (2025-06-25): Provided updated 1008/AUS with Corrected PITIA as Lender used Tax and insurance amount Separately whereas Credit supplement shows payment is escrowed which DTI variance more than [redacted]%. Exception Remains<br>Buyer Comment (2025-06-25): HOA and Supplement | 07/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 718 | 35726554 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide proof of free and clear document for property[redacted]. |  |  |  | Reviewer Comment (2025-06-25): Received Fraud Report confirmed Property is Free and Cleared.<br>Buyer Comment (2025-06-25): LOE and Tax Cert | 06/25/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 719 | 35726556 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require HOA verification document for property [redacted]as disclosed on final 1003. |  |  |  | Reviewer Comment (2025-07-21): Received HOA verification for REO property[redacted]. Since Contract was made on [redacted]. HOA Fee applicable for year [redacted]. Exception Cleared<br>Buyer Comment (2025-07-18): HOA, FYI page [redacted]was not provided of the appraisal to know when the fee was applicable | 07/21/2025 |  |  | 1 C A |  | LA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 719 | 35726557 |  | Credit | Guideline | Guideline Issue | Guideline | Debt to Income Ratio (DTI) <= [redacted]% |  | Rental Income difference due to below reasons leading to DTI variance more than tolerance limit Actual DTI is [redacted]<br> Vs Lender DTI [redacted]%.<br>- Lender has erroneously showing HOA amount $[redacted]for property "[redacted]" however HOA document is received for "[redacted]". Hence updated under "[redacted]".<br>- For rental income lender has Incorrectly considered Monthly Gross Rents vacancy factor as Monthly Gross Rents and then used [redacted]% Vacancy factor for Rental Income calculation for properties [redacted]resulting in Variance in rental income. <br>- For Rental Income for property[redacted]- lender has considered Monthly Gross Rents as $[redacted]instead of $[redacted]considered as per Lease Agreement resulting in variance in Rental Income.<br>- For Subject property [redacted] rental Income calculation Lender has considered Monthly Gross Rent as $[redacted]with [redacted]% Vacancy factor instead of considering $[redacted]as per Comparable Rent Schedule with [redacted]% Vacancy factor resulting in variance in rental income from $[redacted].<br>- For property [redacted]Lender has not calculated any income however with the same PITI and HOA amount updated as per documents qualifying income is reflecting as $[redacted] as per lender and final 1003 instead of $[redacted]. |  |  |  | Reviewer Comment (2025-07-16): Informational EV2 due to calculated DTI exceeds [redacted]% albeit below not above lender calculations. | 07/16/2025 |  |  | 1 B A |  | LA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 720 | 35726558 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-C ([redacted]) is missing in file. |  |  |  | Reviewer Comment (2025-08-11): Received [redacted]in lieu for 4506-C. Exception Cleared<br>Buyer Comment (2025-08-08): [redacted]<br>Reviewer Comment (2025-07-31): Loan reviewed with Conforming [redacted] Guideline follow AUS. per AUS 4506-C Must be signed at or before closing and provided 4506-C signed post closing. Exception Remains<br>Buyer Comment (2025-07-29): 4506C | 08/11/2025 |  |  | 1 C A |  | AR | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 721 | 35726560 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Missing third party verification for[redacted] for both borrowers. FIle contains a VVOE verifying th CPA that handled borrower tax returns, But no CPA letter and no verification of this entity. |  |  |  | Reviewer Comment (2025-09-18): Received Business Search verification for [redacted]. Exception Cleared<br>Buyer Comment (2025-09-16): Google Search<br>Buyer Comment (2025-09-16): IRS search<br>Buyer Comment (2025-09-16): Secretary of State<br>Buyer Comment (2025-09-16): LOX<br>Buyer Comment (2025-09-16): Hello, please find [redacted]website verifying the business, validation of the CPA through IRS, certification and my certification validating the business with CPA. As the former party verified through the CPA and I have too (this date), please accept. There is sufficient documentation in file to clear the condition. Thank you.<br>Reviewer Comment (2025-09-15): Noted VOE for both borrower however as per guide require third party verification (acceptable Government SOS search; CPA, regulatory agency, or the applicable licensing bureau) of business "[redacted]. exception remains.<br>Buyer Comment (2025-09-12): Please see the attached verification of employment for the self employment (each borrower). | 09/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 723 | 35726561 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Required Award Letter / Continuance Letter of $[redacted]for Defined contribution plan. |  |  |  | Reviewer Comment (2025-09-26): Continuance is provided by age. Cleared<br>Buyer Comment (2025-09-25): per lender: Per IRS code the borrower needs to take a distribution due to age. At [redacted] year old she needed to start taking the contribution regardless, she is now [redacted] . Continuance is proven by assets in the account. | 09/26/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 723 | 35726563 |  | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided |  | Deposit receipt is missing for EMD of $[redacted]. |  |  |  | Reviewer Comment (2025-10-02): EMD is not required to be verified and check was provided. Cleared<br>Buyer Comment (2025-09-30): per lender : The borrowers were out of town at the time the EMD was due to be paid. Their son simply provided the check so that they would not lose the property. This was not a gift, simply a timing issue. Per agency guidelines, the EMD did not have to be verified, it was not verified at time of underwrite nor closing, [redacted] does not have an overlay to agency guidelines. The borrowers have a significant asset portfolio and had sufficient funds to close, for reserves without the EMD being verified.<br>Reviewer Comment (2025-09-26): Received EMD Check Copy which noted it was paid by Non-borrower [redacted] from BOA account. Source of Fund not provided in the file. if it is paid by Non-Borrower then it is considered as Gift which does not allowed for investment transaction. Exception Remains<br>Buyer Comment (2025-09-25): EMD check | 10/02/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 723 | 35726564 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | CDA reflect subject property address as "[redacted]" however as per note subject property address is "[redacted]", required updated CDA with correct property address. |  |  |  | Reviewer Comment (2025-09-26): Received CDA with correction in property address per Note. Exception Cleared<br>Buyer Comment (2025-09-25): CDA | 09/26/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 724 | 35726565 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase contract provided is missing seller signature. Provide complete buyer and seller executed Purchase contract. |  |  |  | Reviewer Comment (2025-10-06): Received purchase contract with seller's signature and associated the same accordingly. Exception cleared.<br>Buyer Comment (2025-10-03): Please see attached | 10/06/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 724 | 35726566 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Missing evidence[redacted] were paid off prior to closing, per AUS, causing the DTI to exceed [redacted]%. |  |  |  | Reviewer Comment (2025-10-06): LOE provided.<br>Buyer Comment (2025-10-03): Hello, please see the attached letter of explanation and advise if anything else is needed | 10/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 725 | 35726567 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant[redacted]business days prior to consummation. |  |  |  | Buyer Comment (2025-10-16): Acknowledged non material EV2 |  |  | 10/16/2025 | 2 B |  | MI | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 725 | 35726568 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] not provided |  | Missing [redacted] complete [redacted]. File contains only signed page [redacted]provided. |  |  |  | Reviewer Comment (2025-10-09): Noted [redacted] & [redacted] document for [redacted]. Exception cleared.<br>Buyer Comment (2025-10-08): LOE and [redacted] | 10/09/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 725 | 35726569 |  | Credit | Missing Document | General | Missing Document | Missing Document: K-[redacted] not provided |  | Missing[redacted]. File contains only signed page [redacted]of the[redacted]. |  |  |  | Reviewer Comment (2025-10-09): Noted [redacted]& [redacted] document for [redacted]. Exception cleared.<br>Buyer Comment (2025-10-08): [redacted] | 10/09/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C B A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 728 | 35726571 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-10-22): Fraud report received for borrower. Exception Cleared.<br>Buyer Comment (2025-10-21): Fraud report | 10/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| [redacted] | [redacted] | [redacted] | 729 | 35726572 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Income calculation worksheet for self-employment income is missing. |  |  |  | Reviewer Comment (2025-11-06): Received Income calculation Worksheet. Exception cleared<br>Buyer Comment (2025-11-04): SE income worksheet | 11/06/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 2/5/2026 1:51:03 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | 1 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 2 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 3 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 4 |  | A | A D | A |
| [redacted] | [redacted] | [redacted] | 5 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 6 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 7 |  | D C | D A B | A B |
| [redacted] | [redacted] | [redacted] | 8 |  | A C | D A B | A B |
| [redacted] | [redacted] | [redacted] | 9 |  | C | D B | A B |
| [redacted] | [redacted] | [redacted] | 10 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 11 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 12 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 13 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 14 |  | C B | D A B | A B |
| [redacted] | [redacted] | [redacted] | 15 |  | C A | D A | A |
| [redacted] | [redacted] | [redacted] | 16 |  | A | D A | A |
| [redacted] | [redacted] | [redacted] | 17 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 18 |  | C B | D A B | A B |
| [redacted] | [redacted] | [redacted] | 19 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 20 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 21 |  | C B | A C | A |
| [redacted] | [redacted] | [redacted] | 22 |  | A B C | A B C | A B |
| [redacted] | [redacted] | [redacted] | 23 |  | C A | D A | A |
| [redacted] | [redacted] | [redacted] | 24 |  | C | A C | A C |
| [redacted] | [redacted] | [redacted] | 25 |  | C | A C | A C |
| [redacted] | [redacted] | [redacted] | 26 |  | C | C A | C |
| [redacted] | [redacted] | [redacted] | 27 |  | C | C | C |
| [redacted] | [redacted] | [redacted] | 28 |  | A | C A | C |
| [redacted] | [redacted] | [redacted] | 29 |  | A | C A | C |
| [redacted] | [redacted] | [redacted] | 30 |  | A | C A | A |
| [redacted] | [redacted] | [redacted] | 31 |  | C | C A | A |
| [redacted] | [redacted] | [redacted] | 32 |  | C | C A | A |
| [redacted] | [redacted] | [redacted] | 33 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 34 |  | A | D A | A |
| [redacted] | [redacted] | [redacted] | 35 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 36 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 37 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 38 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 39 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 40 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 41 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 42 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 43 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 44 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 45 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 46 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 47 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 48 |  | C | D A B | A B |
| [redacted] | [redacted] | [redacted] | 49 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 50 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 51 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 52 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 53 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 54 |  | A B | B | A B |
| [redacted] | [redacted] | [redacted] | 55 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 56 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 57 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 58 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 59 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 60 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 61 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 62 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 63 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 64 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 65 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 66 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 67 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 68 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 69 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 70 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 71 |  | A B | D A B | A B |
| [redacted] | [redacted] | [redacted] | 72 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 73 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 74 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 75 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 76 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 77 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 78 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 79 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 80 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 81 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 82 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 83 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 84 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 85 |  | A | D A | A |
| [redacted] | [redacted] | [redacted] | 86 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 87 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 88 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 89 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 90 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 91 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 92 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 93 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 94 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 95 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 96 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 97 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 98 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 99 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 100 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 101 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 102 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 103 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 104 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 105 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 106 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 107 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 108 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 109 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 110 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 111 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 112 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 113 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 114 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 115 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 116 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 117 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 118 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 119 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 120 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 121 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 122 |  | D | A D | A |
| [redacted] | [redacted] | [redacted] | 123 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 124 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 125 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 126 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 127 |  | D | A D | A |
| [redacted] | [redacted] | [redacted] | 128 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 129 |  | D | A D B | A B |
| [redacted] | [redacted] | [redacted] | 130 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 131 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 132 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 133 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 134 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 135 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 136 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 137 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 138 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 139 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 140 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 141 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 142 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 143 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 144 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 145 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 146 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 147 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 148 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 149 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 150 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 151 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 152 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 153 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 154 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 155 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 156 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 157 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 158 |  | B | A B | A |
| [redacted] | [redacted] | [redacted] | 159 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 160 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 161 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 162 |  | D | A D | A |
| [redacted] | [redacted] | [redacted] | 163 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 164 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 165 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 166 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 167 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 168 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 169 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 170 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 171 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 172 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 173 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 174 |  | C | A C B | A B |
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| [redacted] | [redacted] | [redacted] | 328 |  | B | A B | A B |
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| [redacted] | [redacted] | [redacted] | 339 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 340 |  | C | A C | A |
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| [redacted] | [redacted] | [redacted] | 343 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 344 |  | D C | A D B | A B |
| [redacted] | [redacted] | [redacted] | 345 |  | C | A C B | A B |
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| [redacted] | [redacted] | [redacted] | 347 |  | A B | A B | A B |
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| [redacted] | [redacted] | [redacted] | 349 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 350 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 351 |  | C A | A C B | A B |
| [redacted] | [redacted] | [redacted] | 352 |  | A B | A B | A B |
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| [redacted] | [redacted] | [redacted] | 354 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 355 |  | B C | A C B | A B |
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| [redacted] | [redacted] | [redacted] | 357 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 358 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 359 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 360 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 361 |  | A C | A C | A |
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| [redacted] | [redacted] | [redacted] | 363 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 364 |  | B A | A B | A B |
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| [redacted] | [redacted] | [redacted] | 367 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 368 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 369 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 370 |  | A | A | A |
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| [redacted] | [redacted] | [redacted] | 372 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 373 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 374 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 375 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 376 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 377 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 378 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 379 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 380 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 381 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 382 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 383 |  | C A | D A | A |
| [redacted] | [redacted] | [redacted] | 384 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 385 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 386 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 387 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 388 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 389 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 390 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 391 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 392 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 393 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 394 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 395 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 396 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 397 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 398 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 399 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 400 |  | C B | A C | A |
| [redacted] | [redacted] | [redacted] | 401 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 402 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 403 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 404 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 405 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 406 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 407 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 408 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 409 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 410 |  | C B | A C | A |
| [redacted] | [redacted] | [redacted] | 411 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 412 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 413 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 414 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 415 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 416 |  | B A | A B | A |
| [redacted] | [redacted] | [redacted] | 417 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 418 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 419 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 420 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 421 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 422 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 423 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 424 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 425 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 426 |  | B A | A B | A |
| [redacted] | [redacted] | [redacted] | 427 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 428 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 429 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 430 |  | C A | A C B | A B |
| [redacted] | [redacted] | [redacted] | 431 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 432 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 433 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 434 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 435 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 436 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 437 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 438 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 439 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 440 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 441 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 442 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 443 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 444 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 445 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 446 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 447 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 448 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 449 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 450 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 451 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 452 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 453 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 454 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 455 |  | C B | A C B | A B |
| [redacted] | [redacted] | [redacted] | 456 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 457 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 458 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 459 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 460 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 461 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 462 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 463 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 464 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 465 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 466 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 467 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 468 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 469 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 470 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 471 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 472 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 473 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 474 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 475 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 476 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 477 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 478 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 479 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 480 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 481 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 482 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 483 |  | A C | B C A | A |
| [redacted] | [redacted] | [redacted] | 484 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 485 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 486 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 487 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 488 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 489 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 490 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 491 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 492 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 493 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 494 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 495 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 496 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 497 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 498 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 499 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 500 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 501 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 502 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 503 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 504 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 505 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 506 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 507 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 508 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 509 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 510 |  | C B | A C B | A B |
| [redacted] | [redacted] | [redacted] | 511 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 512 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 513 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 514 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 515 |  | D A | D A B | A B |
| [redacted] | [redacted] | [redacted] | 516 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 517 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 518 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 519 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 520 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 521 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 522 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 523 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 524 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 525 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 526 |  | A | B A | A B |
| [redacted] | [redacted] | [redacted] | 527 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 528 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 529 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 530 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 531 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 532 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 533 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 534 |  | A C | A C | A C |
| [redacted] | [redacted] | [redacted] | 535 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 536 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 537 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 538 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 539 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 540 |  | A B | B A | A |
| [redacted] | [redacted] | [redacted] | 541 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 542 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 543 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 544 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 545 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 546 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 547 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 548 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 549 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 550 |  | C A | A C B | A B |
| [redacted] | [redacted] | [redacted] | 551 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 552 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 553 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 554 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 555 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 556 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 557 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 558 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 559 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 560 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 561 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 562 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 563 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 564 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 565 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 566 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 567 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 568 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 569 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 570 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 571 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 572 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 573 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 574 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 575 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 576 |  | A | D A | A |
| [redacted] | [redacted] | [redacted] | 577 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 578 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 579 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 580 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 581 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 582 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 583 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 584 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 585 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 586 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 587 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 588 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 589 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 590 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 591 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 592 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 593 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 594 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 595 |  | A B | B A | A B |
| [redacted] | [redacted] | [redacted] | 596 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 597 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 598 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 599 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 600 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 601 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 602 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 603 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 604 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 605 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 606 |  | D C | A D | A |
| [redacted] | [redacted] | [redacted] | 607 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 608 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 609 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 610 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 611 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 612 |  | C A | A C B | A B |
| [redacted] | [redacted] | [redacted] | 613 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 614 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 615 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 616 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 617 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 618 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 619 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 620 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 621 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 622 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 623 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 624 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 625 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 626 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 627 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 628 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 629 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 630 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 631 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 632 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 633 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 634 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 635 |  | C | A B C | A B |
| [redacted] | [redacted] | [redacted] | 636 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 637 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 638 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 639 |  | C | D A | A |
| [redacted] | [redacted] | [redacted] | 640 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 641 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 642 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 643 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 644 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 645 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 646 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 647 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 648 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 649 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 650 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 651 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 652 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 653 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 654 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 655 |  | A | D A | A |
| [redacted] | [redacted] | [redacted] | 656 |  | C B | A C B | A B |
| [redacted] | [redacted] | [redacted] | 657 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 658 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 659 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 660 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 661 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 662 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 663 |  | B | A B | A B |
| [redacted] | [redacted] | [redacted] | 664 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 665 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 666 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 667 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 668 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 669 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 670 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 671 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 672 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 673 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 674 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 675 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 676 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 677 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 678 |  | A B | A B | A B |
| [redacted] | [redacted] | [redacted] | 679 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 680 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 681 |  | B A | A B | A B |
| [redacted] | [redacted] | [redacted] | 682 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 683 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 684 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 685 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 686 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 687 |  | A C | A C | A |
| [redacted] | [redacted] | [redacted] | 688 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 689 |  | B C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 690 |  | C | A C | A |
| [redacted] | [redacted] | [redacted] | 691 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 692 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 693 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 694 |  | A | C A | A B |
| [redacted] | [redacted] | [redacted] | 695 |  | A | A B | A B |
| [redacted] | [redacted] | [redacted] | 696 |  | A C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 697 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 698 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 699 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 700 |  | C | A C B | A B |
| [redacted] | [redacted] | [redacted] | 701 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 702 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 703 |  | C B | A C | A |
| [redacted] | [redacted] | [redacted] | 704 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 705 |  | C A | D A | A |
| [redacted] | [redacted] | [redacted] | 706 |  | A | C A | A |
| [redacted] | [redacted] | [redacted] | 707 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 708 |  | A B | A B | A |
| [redacted] | [redacted] | [redacted] | 709 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 710 |  | C A | D A | A |
| [redacted] | [redacted] | [redacted] | 711 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 712 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 713 |  | C B | A C | A |
| [redacted] | [redacted] | [redacted] | 714 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 715 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 716 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 717 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 718 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 719 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 720 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 721 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 722 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 723 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 724 |  | D A | A D | A |
| [redacted] | [redacted] | [redacted] | 725 |  | C B | A C B | A B |
| [redacted] | [redacted] | [redacted] | 726 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 727 |  | A | A | A |
| [redacted] | [redacted] | [redacted] | 728 |  | C A | A C | A |
| [redacted] | [redacted] | [redacted] | 729 |  | C A | A C | A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 2/5/2026 1:51:12 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | 1 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 2 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 3 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 4 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | 5 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 6 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 7 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 8 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 9 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | 10 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | 11 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | 12 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | 13 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 14 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 27.740% |  |  | AVM |  | 0.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.120% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.120% |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [redacted] | [redacted] | [redacted] | 15 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | 16 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| [redacted] | [redacted] | [redacted] | 17 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 18 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 19 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | 20 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | 21 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 22 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 23 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 24 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 25 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 26 |  |  |  |  |  |  | 0.000% |  |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 27 |  |  |  |  |  |  | 0.000% |  |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 28 |  |  |  |  |  |  | 0.000% |  |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 29 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -28.700% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.960% |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 30 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 98.090% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.090% |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 31 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.160% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.160% |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 32 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.570% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.570% |  |  |  |  |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | 33 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 34 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 35 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 36 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.740% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 37 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 38 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 39 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 40 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 41 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | 42 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | 43 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | 44 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | 45 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 46 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | 47 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | 48 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| [redacted] | [redacted] | [redacted] | 49 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 50 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | 51 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | 52 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 53 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 54 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 55 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 56 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 57 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 58 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | 59 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 60 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 61 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 62 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 63 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 64 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 65 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 66 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | 67 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 68 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 69 |  |  |  |  |  |  | 6.550% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | 70 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | 71 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 72 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 73 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 74 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| [redacted] | [redacted] | [redacted] | 75 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 76 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| [redacted] | [redacted] | [redacted] | 77 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| [redacted] | [redacted] | [redacted] | 78 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| [redacted] | [redacted] | [redacted] | 79 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| [redacted] | [redacted] | [redacted] | 80 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| [redacted] | [redacted] | [redacted] | 81 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | 82 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 83 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| [redacted] | [redacted] | [redacted] | 84 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 85 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 86 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 87 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 88 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 89 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 90 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 91 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 92 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | 93 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | 94 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 95 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 96 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 97 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 98 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 99 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| [redacted] | [redacted] | [redacted] | 100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | 102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 103 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | 104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.750% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 105 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 106 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 107 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 108 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 109 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 110 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.850% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 14.680% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| [redacted] | [redacted] | [redacted] | 113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.860% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.460% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 117 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 120 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| [redacted] | [redacted] | [redacted] | 123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | 132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 133 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | 135 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| [redacted] | [redacted] | [redacted] | 138 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | 139 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | 140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 141 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.580% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [redacted] | [redacted] | [redacted] | 146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 147 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [redacted] | [redacted] | [redacted] | 149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 150 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 154 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 155 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 156 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | 157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| [redacted] | [redacted] | [redacted] | 158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| [redacted] | [redacted] | [redacted] | 161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | 166 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | 170 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 171 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | 173 |  |  |  |  |  |  | 1.960% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 174 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | 175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | 178 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.00 |
| [redacted] | [redacted] | [redacted] | 179 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | 181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 182 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 183 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 184 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 185 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| [redacted] | [redacted] | [redacted] | 186 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 187 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 188 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 190 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | 191 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | 192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 193 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.200% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | 194 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 195 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.520% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 196 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| [redacted] | [redacted] | [redacted] | 198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.700% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | 199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | 200 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 203 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.430% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.30 |
| [redacted] | [redacted] | [redacted] | 204 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 205 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 209 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | 210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.350% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.720% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | 215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 69.780% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 217 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.760% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.670% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 219 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 221 |  |  |  |  |  |  | 18.490% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 18.490% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| [redacted] | [redacted] | [redacted] | 222 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.830% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.560% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 224 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 226 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 227 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 228 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| [redacted] | [redacted] | [redacted] | 229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 230 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | 231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 232 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | 233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 3.930% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | 236 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.150% |  |  | Desk Review |  |  | Moderate |  |  | -10.030% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 237 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 238 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.650% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | 242 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -16.920% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.830% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.580% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 246 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 28.160% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | 248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -0.990% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | 249 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 25.410% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 250 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.440% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -8.820% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 252 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.750% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | 254 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.630% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.500% |  |  | Appraisal |  |  |  |  |  | -6.250% |  | 0.06 |  |  |  | -7.500% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 258 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 259 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.020% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.180% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.970% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.900% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 263 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 20.000% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -11.610% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | 266 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.780% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.350% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 268 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 269 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 2.440% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 270 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 271 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 273 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.150% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 274 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| [redacted] | [redacted] | [redacted] | 275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.020% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 276 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -16.270% |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 277 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.100% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.560% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 279 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.320% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 280 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -17.650% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  | 6.250% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.250% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.380% |  |  | AVM |  | 0.12 | Moderate |  |  |  |  |  |  |  |  | -9.520% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| [redacted] | [redacted] | [redacted] | 282 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 74.190% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 283 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 28.970% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.960% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 285 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.750% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -8.680% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | 287 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.100% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.950% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | 289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.130% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 292 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 293 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.950% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.510% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | 296 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.520% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.260% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | 298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 299 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.430% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | 300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 35.430% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.410% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | 303 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | 304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 305 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.290% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -1.480% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.080% |  |  | Desk Review |  |  | Moderate |  |  | -11.920% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.510% |  |  | Field Review |  |  |  |  |  | -30.610% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 310 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -10.320% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 9.230% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 312 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -14.730% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.470% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| [redacted] | [redacted] | [redacted] | 314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.080% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 315 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.980% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | 316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 317 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.160% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 318 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | 319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.410% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 321 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 322 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.250% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.030% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | 324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -15.210% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 325 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.330% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  | -0.700% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.700% |  |  | Appraisal |  |  |  |  |  | 0.000% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 329 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.910% |  |  | Desk Review |  |  | Moderate |  |  | -10.640% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 332 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.420% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -51.710% |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 334 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 336 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.110% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 338 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 339 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.400% |  |  | AVM |  | 0.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | 340 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.020% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | 343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| [redacted] | [redacted] | [redacted] | 344 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.820% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 345 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [redacted] | [redacted] | [redacted] | 346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.440% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 351 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | 352 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | 353 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 355 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 356 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 360 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 363 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | 366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 367 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 368 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | 369 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | 370 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 372 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | 373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 374 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | 375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | 377 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | 378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | 379 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| [redacted] | [redacted] | [redacted] | 382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | 383 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 384 |  |  |  |  |  |  | 6.520% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 385 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 386 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 387 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 388 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | 391 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | 393 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 396 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | 397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | 399 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | 400 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.560% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 402 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 403 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | 408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.910% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 411 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 412 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 417 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | 418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 420 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | 421 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | 424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | 425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | 427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | 430 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.160% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 432 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 433 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 435 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 436 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 437 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | 440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| [redacted] | [redacted] | [redacted] | 441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 444 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | 446 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | 450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| [redacted] | [redacted] | [redacted] | 452 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | 453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| [redacted] | [redacted] | [redacted] | 454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | 455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | 456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 462 |  |  |  |  |  |  | 26.120% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | 463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| [redacted] | [redacted] | [redacted] | 467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| [redacted] | [redacted] | [redacted] | 468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.620% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 469 |  |  |  |  |  |  | 4.170% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| [redacted] | [redacted] | [redacted] | 471 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | 473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | 474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| [redacted] | [redacted] | [redacted] | 476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 482 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | 483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | 486 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | 487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 491 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | 493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.500% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 503 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.280% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | 504 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 505 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| [redacted] | [redacted] | [redacted] | 507 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | 508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [redacted] | [redacted] | [redacted] | 512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.010% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.800% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 516 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 517 |  |  |  |  |  |  | 1.600% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  | -30.590% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 519 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.190% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 522 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| [redacted] | [redacted] | [redacted] | 523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | 524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.210% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.990% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | 527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.290% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | 528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | 530 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.260% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 531 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| [redacted] | [redacted] | [redacted] | 532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| [redacted] | [redacted] | [redacted] | 534 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| [redacted] | [redacted] | [redacted] | 535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 536 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| [redacted] | [redacted] | [redacted] | 539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 541 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.990% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.070% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 544 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | 547 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | 550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [redacted] | [redacted] | [redacted] | 551 |  |  |  |  |  |  | 6.720% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.220% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.270% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | 554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.280% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -18.830% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.000% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| [redacted] | [redacted] | [redacted] | 558 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.070% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.000% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.900% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | 563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.620% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| [redacted] | [redacted] | [redacted] | 565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 566 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.520% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| [redacted] | [redacted] | [redacted] | 567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| [redacted] | [redacted] | [redacted] | 568 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | 569 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -2.750% |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | 570 |  |  |  |  |  |  | 4.170% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 4.170% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.720% |  |  | AVM |  | 0.07 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.970% |  |  | Appraisal |  |  |  |  |  | 3.240% |  | 0.05 |  |  |  | 11.970% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| [redacted] | [redacted] | [redacted] | 574 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.060% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -0.260% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 577 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | 578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 579 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.180% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.910% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| [redacted] | [redacted] | [redacted] | 582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.340% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 583 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.940% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.900% |  |  | AVM |  | 0.1 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 585 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| [redacted] | [redacted] | [redacted] | 586 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.990% |  |  | Appraisal |  |  |  |  |  | -3.860% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 588 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.710% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -6.340% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 590 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.180% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.590% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 592 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.580% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | 593 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 1.720% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 594 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 5.400% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 596 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.670% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 598 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.050% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | 1.070% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 600 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.010% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 601 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.410% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 602 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | 604 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 605 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.280% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 606 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.030% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | 607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | 608 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -0.410% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 609 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.030% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 610 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -23.040% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -23.040% |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [redacted] | [redacted] | [redacted] | 611 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.350% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.950% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 613 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.010% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | 614 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.390% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 615 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.710% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 616 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 617 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.960% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 7.960% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 618 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | 619 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.880% |  |  | Desk Review |  |  | Moderate |  |  | -1.100% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.360% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -1.020% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 622 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 623 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.340% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 625 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -4.210% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 626 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 628 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 629 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 631 |  |  |  |  |  |  | 16.040% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [redacted] | [redacted] | [redacted] | 633 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -26.580% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 634 |  |  |  |  |  |  | 16.400% |  |  |  | Appraisal |  |  |  |  |  |  | 16.400% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [redacted] | [redacted] | [redacted] | 635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -19.540% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 637 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 6.600% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 639 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 640 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 641 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -31.350% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.200% |  |  | Appraisal |  |  |  |  |  | -11.850% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 643 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -8.130% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.40 |
| [redacted] | [redacted] | [redacted] | 644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -28.790% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| [redacted] | [redacted] | [redacted] | 645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.130% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 646 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.740% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| [redacted] | [redacted] | [redacted] | 648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | 649 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.330% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.940% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.540% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 652 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 17.140% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.920% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | 654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -11.960% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | 655 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.990% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -4.350% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 659 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.260% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.930% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 661 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 13.640% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| [redacted] | [redacted] | [redacted] | 663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -12.900% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 0.000% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| [redacted] | [redacted] | [redacted] | 665 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.920% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | 667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.890% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | 668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | 669 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.100% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | 670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.830% |  |  | Appraisal |  |  |  |  |  | -9.670% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.150% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -0.680% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.240% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -6.890% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 675 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.290% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 676 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -3.550% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.550% |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 677 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.950% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | 681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.840% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 682 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  | -12.680% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 683 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.610% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 684 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.250% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.230% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.620% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.920% |  |  | AVM |  | 0.11 | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 690 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.930% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 691 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | 692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 36.130% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | 693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | -30.000% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.090% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.160% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | 697 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.620% |  |  | AVM |  | 0.06 |  |  |  | 3.890% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | 699 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| [redacted] | [redacted] | [redacted] | 700 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | 703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | 704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| [redacted] | [redacted] | [redacted] | 706 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| [redacted] | [redacted] | [redacted] | 707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | 708 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 710 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 711 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| [redacted] | [redacted] | [redacted] | 712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | 713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | 714 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [redacted] | [redacted] | [redacted] | 715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | 716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | 717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | 718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | 719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | 720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | 721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | 722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | 723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| [redacted] | [redacted] | [redacted] | 724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | 726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | 727 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | 728 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | 729 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The review included a total of 8 newly originated residential mortgage loans, in connection with the securitization identified as BARC 2026-NQM2 (the "Securitization"). The Review was conducted from September 2021 through June 2025 on mortgage loans originated between August 2021 and April 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (8 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and three (3) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the eight (8) mortgage loans reviewed, seven (7) unique mortgage loans (87.50% by loan count) had a total of twenty (20) different tape discrepancies across eight (8) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;5 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 6 | $1314000.00 | 75.00% |
| Event Grade B | 2 | $1741000.00 | 25.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 8 | $3055000.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 87.50% |
| Event Grade B | 1 | 12.50% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 8 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 87.50% |
| Event Grade B | 1 | 12.50% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 8 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 8 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 8 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**14** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &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;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Interest Rate Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**7** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 6493536 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per LO signature initial 1003 |
| 6493536 | Qualifying Total Reserves Number of Months | XXX | XXX | Per verified assets |
| 6493536 | Qualifying All Borrower Residual Income | $XXX | $XXX | Based on verified income and total debts |
| 6493535 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with Initial 1003 |
| 6493535 | Qualifying Total Reserves Number of Months | XXX | XXX | Validated with Bank Stmt and c/o proceeds |
| 6493535 | Qualifying All Borrower Residual Income | $XXX | $XXX | Variance due to REO PITIA calcs |
| 6493534 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 6493534 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation provided. |
| 6493534 | Qualifying All Borrower Residual Income | $XXX | $XXX | Per income and credit documentation provided. |
| 6493538 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 6493538 | Qualifying Total Reserves Number of Months | XXX | XXX | Per audit of assets and cash-out/PITI |
| 6493538 | Qualifying All Borrower Residual Income | $XXX | $XXX | Per audit of income minus debts. N/A on N/O |
| 6493537 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003-missing compliance report |
| 6493537 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 6493537 | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 6493551 | Interest Rate | XXX% | XXX% | Per note |
| 6493551 | Borrower 1 Last Name | XXXXX | XXXXX | Per driver's license |
| 6493551 | Qualifying LTV | 75.0 | 0.75 | Per sales contract and note |
| 6493551 | Qualifying CLTV | 75.0 | 0.75 | Per sales contract and note |
| 5130523 | Origination_Date | XX/XX/XXXX | XX/XX/XXXX |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan Number** | **Loan number** | **Seller ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 6493536 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap credit report within XXX days of closing is missing | Document Uploaded. | 04/03/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within XXX days of closing received. | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493536 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX months mortgage history and evidence of PITI (A) used to qualify for the following properties: XXX; XXX; XXX; XXX; XXX | Document Uploaded. | 04/08/2025 | Housing History Meets Guideline Requirements; Twelve months housing history for XXX - blanket mortgage which includes XXX; XXX; XXX; XXX; XXX was received. ; | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493536 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing copy of Blanket Mortgage with XXX being paid off at close (secured by subject and other REO's) to support terms of agreement have been satisfied and provide a XXX months history as required (letter from XXX reflects blanket mortgage originated XX/XX/XXXX) | Document Uploaded. | 04/08/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of Mortgage and payment history from XXX was provided. ; | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493536 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of Taxes and Insurance and HOA (if applicable) for XXX (mortgage Statements reflect no escrow) | Document Uploaded. | 04/08/2025 | Evidence of taxes and insurance received. ; | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493536 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493536 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is exempt from TRID/QM. According to the BP letter on page XXX that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493535 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 04/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493535 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493534 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report dated within XXX days of the note date required by guidelines. | Document Uploaded. | 04/03/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within XXX days of closing received. | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493534 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing payment history for the subject property and the following properties "XXX"; "XXX"; "XXX"; "XXX" and "XXX". Guidelines require XXX housing history. | Document Uploaded. | 04/10/2025 | Housing History Meets Guideline Requirements; Documents for Verification of Mortgage and payment history from XXX for all properties were provided in loan #XXX.; Housing History Does Not Meet Guideline Requirements | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493534 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of taxes and insurance for primary residence "XXX". Also missing evidence of PIT for the following properties "XXX"; "XXX"; "XXX"; "XXX" and "XXX". | Document Uploaded. | 04/10/2025 | Received PITI for XXX, XXX, XXX, XXX, XXX, taxes and insurance documents are in XXX for primary residence XXX. | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493534 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6493538 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Final 1003 indicates the Borrower owns XXX additional REO. The XXX States the borrower is refinancing XXX of these other properties in order to pay off a blanket mortgage that includes the subject. Additionally, a property address listed on some of the docs in file is not on the Final 1003, and the Final 1003 indicates the borrower's primary has an additional maintenance charge of XXX per month. There are no supporting PITI documents for the XXX REO refinances, no explanation for the disposition of the the property on XXX, and no documentation for the additional charge to the borrower's primary PITI. | Document Uploaded. ; Please review - Client Stated to clarify the part of no explanation for the disposition of the property on XXX. That property is not listed on the REO, Not sure what property they are referring to.; Document Uploaded. | 04/17/2025 | Property Detail Report indicates XXX is a commercial property (office building). ; XXX is listed as the XXX property on the XXX Letter, Re: XXX on page XXX A mortgage payment notice for XXX is reflected on page XXX a loan Statement is reflected on page XXX of the loan documents. Condition remains. ; Received PITI for the XXX other properties being refinanced, received evidence of PITI for the primary residence. Property address XXX is not listed in the REO section of the 1003, also missing evidence of HOA if any for XXX. | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493538 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493538 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a cash out refinance and is exempt from TRID/QM. According to the BP letter on page XXX that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 04/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493537 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Overdraft fees were listed on the bank Statements provided with no letter of explanation. Please provide explanation of overdraft fees. | Can you advise what you are looking for? There are not bank Statements on this loan. | 04/08/2025 | Overdraft/NSF count within tolerance.; Review of bank Statements indicate NSF and Overdraft activity reflected are insignificant to the bank Statement analysis. | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493537 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of taxes, insurance and assessments for properties located at: XXX, XXX, XXX, XXXand XXX. These properties were recently refinanced and no evidence of escrow status in file. Also provide evidence whether XXX is escrowed. | Document Uploaded. | 04/09/2025 | notes and reo documents provided. | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493537 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FCOM5454 | Compliance | Missing Note | Missing Notes for properties located at: XXX, XXX, XXX, XXX and XXX for verification of principal and interest. The Borrower refinanced a blanket mortgage, which included these properties and evidence of mortgage liability is missing from file. | Document Uploaded. | 04/08/2025 | Notes provided for all properties. | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493537 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The mortgage Statement with A&D Mortgage #XXX shows property address is XXX #XXX. The property is not listed on the loan application schedule of real eState. Provide tax bill, hazard insurance and HOA bill. Per GL's XX/XX/XXXX & XX/XX/XXXX | Client provided attached document in response. | 06/03/2025 | Ok per KL for 80% LTV & loan amount to $XXXM and ok per XXX for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition...; Document Uploaded. | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The CPA letter shows the date of business formation is XXX/XXX/XXX, which is XXX months of existence. The XXX month Bank Statement Program requires documentation supporting the existence of the business for the most recent XXX years. | Client provided attached document in response : | 06/03/2025 | Ok per XXX for ##XXX## & loan amount to $XXXM and ok per XXX for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition...; Document Uploaded. | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The loan application shows XXX as the co-borrowers primary residence for XXX years. The property report shows the property was purchased XX/XX/XXXX. The credit report provides XXX months pay history for XXX #XXX. Provide XXX months primary housing payment for the co-borrower and XXX year primary residence history. Per GL's XX/XX/XXXX | Client provided attached document in response. | 06/03/2025 | Ok per XXX for ##XXX## & loan amount to $XXXM and ok per XXX for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition...; Document Uploaded. | 06/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX The maximum loan amount for a non-XXX is XXX | Client provided attached document in response. | 05/30/2025 | Ok per XXX for ##XXX## & loan amount to $XXXM and ok per JJ for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition... ; Document Uploaded. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% The Maximum LTV for a Loan Amount over XXX is XXX% | Client provided attached document in response. | 05/30/2025 | Ok per XXX for ##XXX## & loan amount to $XXXM and ok per XXX for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition... ; Document Uploaded. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% The Maximum HCLTV for a Loan Amount over XXX is XXX% | Client provided attached document in response. | 05/30/2025 | Ok per XXX for ##XXX## & loan amount to $XXXM and ok per XXX for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition... ; Document Uploaded. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% The Maximum CLTV for a Loan Amount over XXX is XXX% | Client provided attached document in response. | 05/30/2025 | Ok per XXX for ##XXX## & loan amount to $XXXM and ok per XXX for partial primary rating and borr S/E for less than XXX years, comp factors, XXX FICO, XXX% DTI, significant reserves after closing, subject in C3 condition... ; Document Uploaded. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Please check the appraiser, appraisal company, settlement agent, and underwriter with Exclusionary lists. | Client provided attached document in response. | 05/30/2025 | All Interested Parties Checked against Exclusionary Lists. Received an updated fraud report showing all parties were included in the review.; Document Uploaded. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493546 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 6493551 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The chain of title is not in file; which is a part of the preliminary title commitment. Lender to provide the XXX-month chain of title for the subject property at XXX. | Client provided attached document in response. | 06/13/2025 | Satisfactory Chain of Title has been provided; ; Document Uploaded. | 06/13/2025 | D A C |
| 6493551 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The insurance documents in file do not reflect rent loss coverage. Lender to provide the rent loss coverage for the subject property at XXX. Guideline section XX/XX/XXXX Investment Property (Non-Owner Occupied) | Acra Response: The insurance document in file says "refer to policy" for fair rental income protection. Uploading policy documentation from carrier stating "Fair rental income coverage" offers XXX months of coverage | 06/13/2025 | Rent Loss Coverage Present; Document Uploaded. | 06/13/2025 | D A |
| 6493551 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 05/08/2025 | D A |
| 6493551 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 05/08/2025 | D A |
| 5130523 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 9/15/2021 | Acknowledged | -99949 | Compliance | XXX Test | This loan failed the XXX test. The loan has an XXX that does not conform to the requirements for the lender's license type in the State where the property is located. |  |  |  | 9/15/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX.; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XXX years at job. A |
| 5130523 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 9/15/2021 | Resolved | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan [[(XXX CFR §1026.35(a)(1) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's XXX is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more. |  |  |  | 9/15/2021 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX.; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XXX years at job. A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | |
|:---|:---|:---|:---|
| **Seller Loan Number** | **Loan number** | **Seller ID** | **Original Loan Amount** |
| 6493536 | XXXXX | XXXXX | $XXXXXX D A |
| 6493535 | XXXXX | XXXXX | $XXXXXX A |
| 6493534 | XXXXX | XXXXX | $XXXXXX D A |
| 6493538 | XXXXX | XXXXX | $XXXXXX D A |
| 6493537 | XXXXX | XXXXX | $XXXXXX D A |
| 6493546 | XXXXX | XXXXX | $XXXXXX C A B |
| 6493551 | XXXXX | XXXXX | $XXXXXX D A |
| 5130523 | XXXXX | XXXXX | $XXXXXX A B |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan Number** | **Loan number** | **Seller ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 6493536 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 6493535 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 6493534 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 324 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 6493538 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 322 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 6493537 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 326 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 6493546 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% | XXX |  |  | Yes | Yes | 34 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 6493551 | XXXXX | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 1 | 0 | 3 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 5130523 | XXXXX | XXXXX |  |  | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX |  |  | FULL | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  | XXXXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | FULL | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percentage Only | 5.00 | XXX | No | Present | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan Number** | **Loan number** | **Seller ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 6493536 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 6493535 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6493534 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6493538 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6493537 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 6493546 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 6493551 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 5130523 | XXXX | XXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_002.jpg)

![](ex99-3_001.jpg)

**February 04, 2026 <br> Due Diligence Narrative Report**

![](ex99-3_002.jpg)

**TABLE OF CONTENTS**

---

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

---

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 1** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/<u>E-mail: msantarsiere@clayton.com</u> |

---

---

| | |
|:---|:---|
| **Joe Ozment** | Vice President – Client Services & Securitization |
|  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**OVERVIEW**

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 3 residential loans.

Sutton Fuding LLC subsequently purchased these loans via reliance letter and selected them for the BARC 2026-NQM2 transaction. The loans referenced in this narrative report were reviewed on a flow basis from 04/2024 through 04/2024. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 3 | 100.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 2** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;REVIEW SCOPE | &nbsp;&nbsp;# OF FILES REVIEWED |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Regulatory Compliance Review<br>Data Integrity Check | &nbsp;&nbsp; 2<br> 3 |

---

LOAN GRADING

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

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

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 3** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

TPR COMPONENT REVIEW SCOPE

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examined Data Verify/Fraudgaurd/Interthinx
or similar risk evaluation report, which was ordered by the Seller or Clayton and received by Clayton for Nationwide Mortgage Licensing
System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation
and assigned loan conditions accordingly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examined income, employment, assets, and occupancy status
for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed the occupancy, VOE and self/employed business
documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Listed the property type as Coop, as applicable

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original
Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Value
Supported Analysis (203 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score 2.5 or less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1004 / 1073

For further detail please refer to the BARC 2026-NQM2 Valuations Summary Report.

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 4** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's
undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount
point. Clayton evaluated the lender's exclusion
of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold
per discount point.

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 5** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

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

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

State and Federal High Cost and Higher-Priced:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 6** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

DATA INTEGRITY

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies found during comparison are stored

DATA CAPTURE

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

**DATA COMPARE RESULTS**

Clayton provided Sutton Funding LLC, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review in relation to the 3 loans reviewed. The population was purchased on reliance letter.

Summary of data compare results:

***No reportable data compares***

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 7** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

**CLAYTON DUE DILIGENCE RESULTS**

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

**Initial and Final Overall Loan Grade Results (S&P)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| | **A** | **B** | **C** | **D** | **Total** |
| **A** | 1 |  |  |  | **1** |
| **B** |  | 2 |  |  | **2** |
| **C** |  |  |  |  | **0** |
| **D** |  |  |  |  | **0** |
| **Total** | **1** | **2** | **0** | **0** | **3** |

---

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

**Initial and Final Credit Component Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  |  |  | **2** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **1** | **0** | **0** | **3** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  |  |  | **2** |
| **Final** | **B** |  | 1 |  |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **1** | **0** | **0** | **3** |

---

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 8** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 2 |  |  |  | **2** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **2** | **0** | **0** | **0** | **2** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (1 loan in pool)

**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Stanadrd Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Waived Conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. 15E Form

---

| | | |
|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 9** | **February 04, 2026** |

---

![](ex99-3_002.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

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

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

- Citizenship status

- Non- occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

- Final loan application was in the loan file and was complete

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Paystubs

---

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Award letters

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Asset
review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Depository account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Settlements statements

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Leasehold estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct 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;· Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Correct loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment

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

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

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**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT**

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

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

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

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

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

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

☐ FNMA 2860 – Individual Cooperative Appraisal Report. Used for individual cooperative units

☐ FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

☐ FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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

☐ Appraisal report form, certification, statement of limiting conditions and scope of work

☐ Accurate identification of the subject property

☐ Accurate identification of the subject loan transaction

☐ Accurate identification of the property type, in both land and improvements

☐ All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Location
map

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

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

☐ Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

☐ Appraisal date met supplied Sponsor Acquisition Criteria

☐ If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

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

☐ Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

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&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

☐ Confirmed that the appraiser's certification is present and executed within the original appraisal.

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

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

☐ Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

☐ Comps used were reasonably recent in transaction date and if not the reason was furnished

☐ Comps used were reasonably similar to the subject property and if not an explanation was supplied

☐ Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

☐ Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

☐ Property usage was reviewed for zoning compliance

☐ Property utilization was reviewed to determine it was "highest and best use"

☐ Neighborhood values were reviewed to determine if declining

☐ Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Predominant occupancy

☐ Physical condition of the property was reviewed to determine that the property condition was average or better

☐ Style of property was reviewed to determine if unique property

☐ Any health and safety issues were noted and/or remediated

☐ Locational and/or environmental concerns adequately addressed if present

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

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

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE**

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement:
verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these
disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan
file

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka
Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the
lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying
whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the
lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes
evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Test whether or not the loan
is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the 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;· Pre-application forms must contain the required disclaimer
("Your actual rate, payment, and costs

could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed
in the mail within 3 business days of the broker or lender receiving an 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;· The loan does not consummate (Clayton looks to the later
of the note date or notary date) until the

later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is
provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with
a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to
cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and
timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately
completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal
and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent
with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry
requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of 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;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected
Payments and a maximum of thirteen

Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the
same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs
at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not
required, version for transactions without a seller. They should be consistent within and across disclosures.

---

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|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 17** | **February 04, 2026** |

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![](ex99-3_002.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;· Where
amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section
referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically
listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information,
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;· For areas where multiple
options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement
on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the
borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton
will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased
or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton
will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product
feature changed which requires a new waiting period and whether that waiting period 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;· Whether
a prepayment penalty was added requiring a new waiting period and whether that waiting period 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;· Post-Close CD'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;· Corrected CD's provided
with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
CD's to correct numerical errors based on events (such as recording) occurring within 30 days of 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;· Post-close CD's to correct
non-numerical clerical errors required within 60 days of 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;· Related 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;· Provision and timing of Your
Home Loan Toolkit (first lien, purchase-money 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;· Written
List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure
(can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms
of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur
by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct
for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction
columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information
for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the
information.

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

---

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|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 18** | **February 04, 2026** |

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![](ex99-3_002.jpg)

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

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

**A.** **Higher-Priced** 

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

---

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

---

**B.** **State/Local High Cost** 

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

---

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

---

**C.** **Anti-Predatory** 

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

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

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

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

---

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|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 19** | **February 04, 2026** |

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![](ex99-3_002.jpg)

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

**D.** **Borrower's Interest** 

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

---

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

---

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

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

---

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

---

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|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 20** | **February 04, 2026** |

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![](ex99-3_002.jpg)

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

**F. Texas Equity**

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

---

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|:---|:---|:---|
| **BARC 2026-NQM2 Due Diligence Narrative Report** | **Page \| 21** | **February 04, 2026** |

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![](ex99-3_002.jpg)

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *3* |
| ***Loans with Conditions:*** | *2* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 9062000151 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 768 exceeds min score requirement of 750.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $174,646.85 or 22.78 mos |
| 9062000164 | XXXXXX | IL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount $XXX is below the minimum per guidelines of $100,000. Lender exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 780 exceeds guidelines 750.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has owned primary residence for 7 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since 10/2007. |
| 9062000191 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Per guidelines, XXX will purchase loans secured by properties that are located on lot sizes up totwenty-five (XXX) acres. Per appraisal, subject is XXX acres. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for 29 years and 4 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 26.54%; max allowed per guidelines is 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $131,904.23 or 61.98 months PITI, guidelines required 0 months PITI. |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *3* |
| ***Loans with Conditions:*** | *2* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 9062000151 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 9062000164 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 9062000191 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

**ATR QM Upload**

<br> *Loans in Report:* *3*

---

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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 9062000151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 10+ | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd >20% OPB | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7667.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6546.25 | No | (No Data) | 1.1163 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 9062000164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 9.5480 | No | No | 7.927 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1326.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1475.00 | No | (No Data) | 1.1119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 9062000191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2128.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0337 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

**Rating Agency ATR QM Data Fields**

<br> *Loans in Report:* *3* 

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 9062000151 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9062000164 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.548 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9062000191 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 245 | 249 | 253 | 257 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 9062000151 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.7500 | 5863.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd >20% OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 5+ Units | 10+ | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 533.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 128 | 10636.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 768 | 762 | 0 | (No Data) | 5863.73 | 768 | 0 | -7667.84 | 0 | 0 | 7667.84 | 0 | 476161.11 | 476161.11 | 476161.11 | XXXXXX | 174646.85 | 22.78 | 22.78 | Fully Amortized | 9.750 | 5863.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 9062000164 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.1250 | 762.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 16.25 | (No Data) | (No Data) | (No Data) | 300.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 196 | 39300.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 802 | 780 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | 762.78 | 780 | 0 | -1326.45 | 0 | 0 | 1326.45 | 0 | 68050.59 | 68050.59 | 68050.59 | XXXXXX | 31304.51 | 23.6 | 23.60 | Fully Amortized | 9.125 | 762.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 9062000191 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1232.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of UPB if amt prepd in 12 mos is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 26.54 | 26.54 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 143.17 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 85 | 37800.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 701 | 688 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 703 | 707 | 0 | (No Data) | 1232.08 | 707 | 0 | -2128.18 | 0 | 0 | 2128.18 | 0 | 131904.23 | 131904.23 | 131904.23 | XXXXXX | 131904.23 | 61.98 | 61.98 | Fully Amortized | 8.250 | 1232.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

**Valuations Summary**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loans In Report: | 3 | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **AUS Information** |
| Loans In Report: | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **AUS Information** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 9062000151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Other | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | Other | XXXXXX | XXXXXX | XXXXXX | 0.00% | (No Data) |
| 9062000164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9062000191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BARC 2026-NQM2

Dated: February 3, 2026

**290 S. Preston Road \| Suite 370 \| Prosper, TX 75078 <br> P: 888.892.1843 \| evolvemortgageservices.com**

![](ex99-4_003.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 Sutton Funding LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 6 loans, consisting of 6 Business Purpose loans, totaling an aggregate original principal balance of approximately $1,336,688.00 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.

**Determination of the sample size and computation.**

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

---

| | | |
|:---|:---|:---|
| &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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|:---|:---|:---|
| ![](ex99-4_002.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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Forward Thinking. Seamless Solutions.

**<u>Scope of Review</u>**

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine if there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

 

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

 

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

 

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

 

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|:---|:---|:---|
| ![](ex99-4_002.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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Forward Thinking. Seamless Solutions.

 

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Valuation Review*

Evolve'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. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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, Evolve's review will (i) 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; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

 

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

 

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|:---|:---|:---|
| ![](ex99-4_002.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex99-4_003.jpg)

Forward Thinking. Seamless Solutions.

 

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

 

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

 

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check 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.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal reports are reviewed
in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner
or tenant occupancy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Form 1003/Loan application
is reviewed to ensure 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Certification of Non-Owner Occupancy
and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence
address differs from the subject property address, and is signed/dated as required.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Primary Residence address(es)
listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and
Indemnity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review additional items for confirmation
of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit report address
is different than the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease in place if
the loan is a refinance

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|:---|:---|:---|
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![](ex99-4_003.jpg)

Forward Thinking. Seamless Solutions.

 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord insurance on
the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Calculate DSCR as required by
the guidelines

**<u>Data Collection</u>**

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

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|:---|:---|:---|
| ![](ex99-4_002.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex99-4_003.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSROs 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.

**Compliance 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;- | &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;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &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;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &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;**6** | &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;6 | &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;**6** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex99-4_002.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

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![](ex99-4_003.jpg)

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;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &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;**6** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |

---

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|:---|:---|:---|
| ![](ex99-4_002.jpg)  |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

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![](ex99-4_003.jpg)

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.

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;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);

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Forward Thinking. Seamless Solutions.

 

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; 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;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>Tolerances (§§1026.18, 22 and 23):</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;

&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;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;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;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 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;&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 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.

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Forward Thinking. Seamless Solutions.

&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 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;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;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.

**(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;■ Initial
application (1003);

&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;

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Forward Thinking. Seamless Solutions.

 

&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:

**(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;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;&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> 

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

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

&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;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;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.

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Forward Thinking. Seamless Solutions.

**(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;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.

**(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;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)).

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.

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Forward Thinking. Seamless Solutions.

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.

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> 

i) timing and content of the right to receive copy of appraisal disclosure; <br> ii) charging of a fee for a copy of the appraisal or other written valuation; <br> iii) timing of creditor providing a copy of each appraisal or other written valuation;

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.

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Forward Thinking. Seamless Solutions.

**(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 NRSROs 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.

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.

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Forward Thinking. Seamless Solutions.

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> 

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;

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);

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> 

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

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Forward Thinking. Seamless Solutions.

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> 

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.

**(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 99.4

**Exhibit 99.4 Schedule 1**

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| |
|:---|
| ![](ex99-4sch1_001.jpg) |
| **Data Compare** |
| **Run Date - 02/03/2026 9:39:56 AM** |

---

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1641817 | XXXXXXX | XXXXXXX | Occupancy | Investor | Investment | Verified |
| 1641817 | XXXXXXX | XXXXXXX | Original P&I |  | 1730.47 | Verified |
| 1641817 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1641817 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | N | Verified |
| 1641817 | XXXXXXX | XXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XX/XX/XXXX | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XX/XX/XXXX | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | **Verified** |
| 1640291 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1640291 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | DSCR | 1.045 | 1.080 | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XX/XX/XXXX | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XX/XX/XXXX | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Property Type | Single Family | PUD-Attached | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641057 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | DSCR | 1.103 | 1.070 | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XX/XX/XXXX | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Original Interest Rate | XXXXX | XXXXXXX | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XX/XX/XXXX | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Original P&I | 2018.98 | 2093.64 | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Property Type | Planned Unit Development | PUD-Detached | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XX/XX/XXXX | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XX/XX/XXXX | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | First Payment Date |  | XX/XX/XXXX | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XX/XX/XXXX | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | Qualifying DTI | 49.98000 | 0.44504 | Verified |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

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| |
|:---|
| ![](ex99-4sch2_001.jpg) |
| **Exception Detail** |
| **Run Date - 02/03/2026 9:39:56 AM** |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan 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** |
| 1640291 | XXXXXXXXX | XXXXXXX | 7141720 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 06/05/2025 |  | A | 1 | XXXXXXXXXX | GA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | 7141568 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require a max XXXX of XXXX when the XXXXX < XXXXXXXX XXXXX is XXXXXX and the XXXX is XXXXXXXXXX |  | Compensating XXXXXXXXX XXXXX cash reserve level > XXX months; XXXXX credit, XXXX XXXXXX not a credit abuser, XXXX credit usage; ownership of other investment XXXXXX |  |  |  | 05/23/2025 B | 2 | XXXXXXXXXX | OH | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1641817 | XXXXXXX | XXXXXXX | 7143375 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing the most recent two months XXXX statements from XXXXXXXX XXXX XXXXXXX verifying a balance of XXXXXXXXXXXX | RECEIVED XX XXXXXXX XXXXX XXXXXXXXXX |  |  | 06/18/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| |
|:---|
| ![](ex99-4sch3_001.jpg) |
| **QM ATR Data** |
| **Run Date - 02/03/2026 9:39:56 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1640291 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 04/30/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641057 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641817 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $5649.28 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| |
|:---|
| ![](ex99-4sch4_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 02/03/2026 9:39:56 AM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1640291 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1641057 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1641817 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| |
|:---|
| ![](ex99-4sch5_001.jpg) |
| **Valuation Report** |
| **Run Date - 02/03/2026 9:39:56 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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** | **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** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **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** |
| 1640291 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1641057 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641817 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1641126 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641017 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1636767 | XXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -4.76% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Sutton Funding LLC (the "Client") or its affiliated company. The Review was conducted during May 2024 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loan with an aggregate principal balance of $180,000.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); S&P Global Ratings.

**Data Integrity**

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

---

| | |
|:---|:---|
| **Field Label** | |
| Amortized Term | No tolerance |
| Borrower 1 First Name | No tolerance |
| Borrower 1 Last Name | No tolerance |
| Borrower 1 Self Employment Flag (when applicable) | No tolerance |
| Borrower 2 Self-Employment Flag (when applicable) | No tolerance |
| Business Purpose Flag (when applicable) | No tolerance |
| Combined LTV | Apply 1% Tolerance if < 80% |
| Disbursement Date | No tolerance |
| DSCR (when applicable) | .25% tolerance |
| Final Reviewed QM Status | No tolerance |
| First Payment Date | No tolerance |
| Initial Monthly P&I or IO Payment | No tolerance |
| Lien Position | No tolerance |
| Loan Program | No tolerance |
| Loan Purpose | No tolerance |
| Margin (ARM Loan) | No tolerance |
| Mortgage Origination Channel | No tolerance |
| Note Interest Only Term | No tolerance |
| Note Date | No tolerance |
| Note Rate | No tolerance |
| Occupancy Type | No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

---

| | |
|:---|:---|
| Original Appraised Value | No tolerance |
| Original Balance | No tolerance |
| Original LTV | Apply 1% Tolerance if < 80% |
| Origination Date | No tolerance |
| Prepayment Penalty Total Term | No tolerance |
| Primary Mortgage or Rent Times 30 | No tolerance |
| Property Type | No tolerance |
| Property Zip Code | No tolerance |
| Qualifying FICO | No tolerance |
| Escrow Flag | No tolerance |
| Qualifying Total Debt Income Ratio (when applicable) | Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = |
| Qualifying Total Reserves Number of Months | No tolerance |
| Sales Price | No tolerance |
| Verified Doc Type | No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

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

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

· Borrower(s) employment history;

· Citizenship and eligibility;

· First time home buyer status;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

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![](ex99-5_001.jpg)

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

I. Compliance Documentation Requirements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and final application (1003)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage / Deed of Trust, including all riders

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(i)** **TILA/RESPA Integrated Disclosure Testing ("TRID").** A review and comparison of LEs and CDs with a report outlining
 any TILA violations, including a re-calculation of disclosed finance charge, principal and
 interest calculations, proper completion of the Projected Payments table, total of payments,
 finance charge, amount financed, recalculation of disclosed APR and a review to determine
 disclosure differences were within the allowed tolerances and disclosures were provided within
 the required timeframes. Testing will be conducted to fulfill the elements Structured Finance
 Association (SFA) TRID Compliance Review Scope ("TRID Grid 4.0");

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

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![](ex99-5_001.jpg)

**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.<br>

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

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

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

**e.** **Miscellaneous Compliance Testing:** 

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

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

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

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![](ex99-5_001.jpg)

**State & Local Anti-Predatory Requirements**

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

· 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; 232-455; 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.

· 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 183(C).

· 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.

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![](ex99-5_001.jpg)

· 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; 24-1.1(E)(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.

· 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.

**QUALIFIED MORTGAGE (QM)**

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

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

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

Ability to Repay (ATR)

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

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

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

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**Valuation Review**

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

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

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

***INDEPENDENT THIRD-PARTY VALUES***

 ****

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

**Valuation Reconciliation Process:**

· 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 value.

**Agency Eligible Loans:**

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

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

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp; The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |

---

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---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 0.00% (0 loans) have an overall grade of "B" and 100.00% (1 loan) has an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (1 loan) has a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (1 loan) has a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (1 loan) has a Property/Valuation grade of "A".

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

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**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180000.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180000.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp; Cash Out: Debt Consolidation—Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp; <br>0 | &nbsp;&nbsp; <br>0.00% | &nbsp;&nbsp; <br>$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp; <br> 0 | &nbsp;&nbsp; <br> 0.00% | &nbsp;&nbsp; <br> $0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp; <br> 0 | &nbsp;&nbsp; <br> 0.00% | &nbsp;&nbsp; <br> $0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180000.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180000.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180000.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$180000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180000.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

**DATA COMPARISON RESULTS**

Of the one (1) loan file reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancies across zero (0) data fields.

**Disclaimer**

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

 

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

 

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

 

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

 

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 877355 |  | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 877355 | xxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase NA |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 877355 | xxx |  | xxx A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 877355 | xxx |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 75.0 | 75.0 |  |  |  |  | xxx | 0.0 | .0000 | Desk Review | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---