# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-25-101189
**Filing Date:** 2025-10
**Character Count:** 3873725
**Document Hash:** 3b334b13c64fef3747aa766b8bfe62a1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-101189.hdr.sgml**: 20251022

**ACCESSION NUMBER**: 0001213900-25-101189

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

**PUBLIC DOCUMENT COUNT**: 60

**CONFORMED PERIOD OF REPORT**: 20251022

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

**FILED AS OF DATE**: 20251022

**DATE AS OF CHANGE**: 20251022

**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:** 251409998

**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) ☐

☒ 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 2025-NQM6

(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.

The reports attached to this Form ABS-15G include 72 mortgage loans, with an aggregate unpaid principal balance of $20,621,069.05 that will not be included in the transaction.

**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: October 22, 2025 | 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](ea026156801_ex99-1.htm)

[Schedule 1 – Data Compare](ea026156801_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea026156801_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea026156801_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea026156801_ex99-1sch4.htm)

[Schedule 5 – Multi Property Report](ea026156801_ex99-1sch5.htm)

[Schedule 6 – Multi Property Units](ea026156801_ex99-1sch6.htm)

[Schedule 7 – Multi Property Valuation](ea026156801_ex99-1sch7.htm)

[99.2 - Third Party Due Diligence Report – Consolidated Analytics Narrative](ea026156801_ex99-2.htm)

[Schedule 1 – Due Diligence Standard Report](ea026156801_ex99-2sch1.htm)

[Schedule 2 – RA Grades Summary](ea026156801_ex99-2sch2.htm)

[Schedule 3 – Valuation Report](ea026156801_ex99-2sch3.htm)

[99.3 - Third Party Due Diligence Report – Canopy Narrative](ea026156801_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea026156801_ex99-3sch1.htm)

[Schedule 2 – Rating Agency Grades Detail](ea026156801_ex99-3sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](ea026156801_ex99-3sch3.htm)

[Schedule 4 – Valuation Report](ea026156801_ex99-3sch4.htm)

[99.4 - Third Party Due Diligence Report – Clayton Narrative](ea026156801_ex99-4.htm)

[Schedule 1 – RA ATR QM Report](ea026156801_ex99-4sch1.htm)

[Schedule 2 – Loan Level Tape Compare](ea026156801_ex99-4sch2.htm)

[Schedule 3 – Conditions Detail](ea026156801_ex99-4sch3.htm)

[Schedule 4 – Loan Grades](ea026156801_ex99-4sch4.htm)

[Schedule 5 – Valuations Summary](ea026156801_ex99-4sch5.htm)

[Schedule 6 – Non ATR QM Report](ea026156801_ex99-4sch6.htm)

[99.5 - Third Party Due Diligence Report – Evolve Narrative](ea026156801_ex99-5.htm)

[Schedule 1 – Data Compare](ea026156801_ex99-5sch1.htm)

[Schedule 2 – RA Grades](ea026156801_ex99-5sch2.htm)

[Schedule 3 – Exception Detail](ea026156801_ex99-5sch3.htm)

[Schedule 4 – Valuation Report](ea026156801_ex99-5sch4.htm)

[Schedule 5 – QM ATR Report](ea026156801_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Opus Narrative](ea026156801_ex99-6.htm)

[Schedule 1 – Data Compare](ea026156801_ex99-6sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea026156801_ex99-6sch2.htm)

[Schedule 3 – Standard Findings Report](ea026156801_ex99-6sch3.htm)

[Schedule 4 – Valuation Report](ea026156801_ex99-6sch4.htm)

[Schedule 5 – ATR QM Report](ea026156801_ex99-6sch5.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 on mortgage loans with origination dates from March 2017 through July 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (517 loans), and the Business Purpose Scope (304 loans). The loans reviewed using the Credit and Compliance Scope and Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 821 mortgage loans.

The final population of the Review covered 821 mortgage loans totaling an aggregate original principal balance of approximately $303.077 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 Date | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Value Used For LTV Calculation |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate |  |

---

1 \| Page

![](ex99-1_001.jpg)

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

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

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

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

**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.

2 \| Page

![](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.

3 \| Page

![](ex99-1_001.jpg)

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business<br> – Purpose Letter of Intent (LOI) /<br> 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.

4 \| Page

![](ex99-1_001.jpg)

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

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

Please be advised that SitusAMC will 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 will uncover 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 will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by SitusAMC are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which SitusAMC is relying in reaching such findings.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in the Review, and the findings set forth in any report prepared by SitusAMC does not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC. Information contained in any SitusAMC 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 SitusAMC 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 SitusAMC 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. SitusAMC 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 SitusAMC.

SitusAMC will review each residential mortgage loan to determine, as applicable, and to the extent possible and subject to the caveats below, whether the mortgage loan complies with each of the laws, rules and regulations specified below, in each case as the same may be amended, supplemented, replaced or otherwise modified from time to time pursuant to applicable law. With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, the compliance review is limited to the specific components enumerated below with the testing of those components in accordance with the SFA TRID Compliance Review Scope ("TRID Grid"), published by the Structured Finance Association ("SFA"). All other TRID testing, including other components of the TRID Grid, that are not explicitly enumerated below are considered outside of scope for purposes of this review.

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

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

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

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

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

iv) failure to provide the three (3) specific business day rescission period;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) missing
 or incorrect rescission expiration date on rescission notice;

vi) "I wish to cancel" section of rescission notice is signed by borrower;

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vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, 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 for open-end transactions, the information that must be provided to satisfy the requirements in §<u>1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in §<u>1026.40</u>(d)(5)(i) and (ii) that is required under §<u>1026.6</u>(e)(2); and

viii) 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>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 recalculated Finance Charge

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Finance Charge to recalculated Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Payment Tables (§1026.18, §1026.38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate disclosure
 of applicable payment tables on page 1 of the TIL or CD

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>TILA Section 130(b) Corrections and Other Remediations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with respect to
 applicable exception remediation measures, confirm the remediation was performed in accordance
 with regulatory and/or statutory requirements, and, where applicable, the SFA Compliance
 Review Scope methodology (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).

&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(d)-(e)):</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) if requested by the client, review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

&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(g)):</u> 

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

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

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**(II) 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.); the Department
 of Veterans Affairs (38 C.F.R. Part 36 et seq.); and the U.S. Department of Agriculture (7
 CFR Part 3555);

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

&nbsp;&nbsp;&nbsp;&nbsp;e) Prepayment
 penalty restrictions (12 C.F.R. 1026.43(g)).

SitusAMC will review 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). SitusAMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, SitusAMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, SitusAMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the
 mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature,
 negative amortization, or loan term exceeding 30 years),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the
 "points and fees" exceed the applicable QM threshold,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the
 monthly payment was calculated appropriately,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) the
 creditor considered and verified income or assets at or before consummation,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the
 creditor appropriately considered debt obligations, alimony and child support, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) based
 on the application date, defined in accordance with 1026.2(a)(3)(ii), and the loan designation
 provided on the subject loan:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Temporary QM (Agency/GSE Salable) –** Loans submitted with a loan designation of<br>
 Temporary SHQM (GSE/Agency Eligible) or Temporary HPQM (GSE/Agency Eligible)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If
 loan application date is prior to 7/1/2021 or loan was purchased/securitized on or before
 8/31/21, the loan will be evaluated to confirm it is salable to the GSEs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 loan application date is on or after 7/1/2021 or loan was purchased/securitized after 8/31/21
 - an exception indicating loan is not eligible to be GSE Temp QM will be cited based on the
 GSE requirement for loan applications on or after 7/1/2021 to meet General QM (APOR) pricing
 based criteria to be salable,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **QM Based on Appendix Q –** Loans submitted with a loan designation of Safe Harbor QM,<br>
 Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If
 the loan application date is prior to 3/1/2021 – determine whether at the time of consummation,
 the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation
 Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 the loan application date is on or after 3/1/2021, but before 10/1/2022 – determine
 whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in
 accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date on or after<br>
 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM
 (APOR), the QM considerations will be based on 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 creditor's guidelines without a documented
 exception and compensating factors.

*QM loans with application dates on or after 10/1/22 are required to be either Safe Harbor QM (APOR) or Higher Priced QM (APOR)*

***Verification Safe Harbor***

Pursuant to the November 2021 SFA TPR Scope of Review for Verification Safe Harbor under General QM Rule (<u>https://structuredfinance.org/wp-content/uploads/2021/11/SFA-TPR-Scope-of-Review-for-QM-VSH-Scope-of-Review-FINAL.pdf</u>)SitusAMC has adopted the following approach with respect to Verification Safe Harbor:

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**VSH Indicator** – For loans originated under the new General QM (APOR) pricing-based threshold, the lender will be required to document the Verification Safe Harbor (VSH) indicator. SitusAMC will capture, but will not verify the VSH indicator. If the lender does not provide a VSH indicator, the VSH for the loan will be identified as "Not Stated".

**VSH Indicator Discrepancy** – Optional add-on service for loans submitted with a VSH Indicator of "Yes" (loan meets VSH). If a loan was submitted indicating VSH is met, client has the option to have SitusAMC review documentation in file and identify variances between documentation in file and guidelines used that could be indicative of an inaccurate VSH indicator. For all options below, the VSH indicator and determination method will be provided by the lender (within loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which loans are originated). SitusAMC's evaluation will be limited to review of the documents against the guidelines used and identified by the lender to meet VSH. Review and verification that guidelines used meet VSH requirements under the regulation (particularly for options 2 and 3 where guidelines used are not one of those explicitly enumerated in the regulation) are outside of SitusAMC's scope. Lender is responsible for affirming guidelines used meet VSH standard requirements:

· <u>Option 1: VSH via reference to guidelines explicitly enumerated in the regulation (June 2020 GSE Guides)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 identifies that loan utilizes one of the GSE June 2020 guidelines specified in the regulation
 to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified by lender to have VSH status, SitusAMC will determine documentation variances
 that would cause one to question the VSH attestation from the lender. If variances are identified,
 loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e.,
 SitusAMC will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS
 adherence will not be used to evaluate the VSH indicator.

· <u>Option 2: VSH via reference to subsequent versions of GSE Guides affirmed to be "substantially similar" to guides explicitly enumerated in the regulation</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 identifies (source and publication date) and provides a set of GSE guides (other than one
 of the June 2020 guidelines specified in the regulation) utilized to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 provides affirmation that guides used meet VSH requirements as revised version complies with
 verification standards or is substantially similar to the guides enumerated in the regulation
 commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 determination and affirmation that the guides used are substantially similar would be the
 responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are "substantially similar"** to
 the explicitly enumerated underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified by lender to have VSH status, SitusAMC will determine documentation variances
 that would cause one to question the VSH attestation from the lender. If variances are identified,
 loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e.,
 SitusAMC will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS
 adherence will not be used to evaluate the VSH indicator

· <u>Option 3: VSH via proprietary guides</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 identifies and provides a set of proprietary (non-GSE guides) underwriting guides utilized
 to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 provides worksheet/AUS connecting the loan level review components to enumerated guides

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender
 provides affirmation that guides used meet VSH requirements as guides comply with verification
 standards in the guides enumerated in the regulation commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 determination and affirmation that the guides used are substantially similar would be the
 responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are in line with the standards in the enumerated underwriting guidelines.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified by lender to have VSH status, SitusAMC will determine documentation variances
 that would cause one to question the VSH attestation from the lender. If variances are identified,
 loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e.,
 SitusAMC will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS
 adherence will not be used to evaluate the VSH indicator

The lender must also maintain policies and procedures to meet the requirement under the new General QM (APOR) rule. Review of policies and procedures and comparison of guides utilized to explicitly enumerated guides are outside of SitusAMC's review scope.

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**VSH Reporting** – SitusAMC will include the following in securitization reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 lender/seller's VSH Indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 SitusAMC evaluated the VSH indicator provided by the lender/seller;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Which
 of the above 3 options was employed to evaluate the VSH indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 SitusAMC identified a variance to indicator based on due diligence review; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 loan met VSH based on option selected

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 (effective January 10, 2014), SitusAMC 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) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM (for loans that comply with general (ATR) or ATR Fail (for loans that do not meet general ATR requirements). See below for more details on general ability to repay testing.

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

For non-QM loans (loans that do not meet QM criteria or submitted by loan originator with a loan designation of non-QM), SitusAMC reviews the mortgage loan to the creditor's guidelines to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable third-party records, at or before consummation:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

SitusAMC reviews mortgage loans to determine their conformity with the ATR/QM factors as outlined above, but does not render 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"). SitusAMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all the factors and/or criteria that Authorities may consider in determining whether the creditor adequately demonstrated compliance with the ATR requirements under the rule. SitusAMC's review is based on information contained in the mortgage loan file at the time it is provided to SitusAMC for review, and only reflects information as of that point in time.

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**(III) The disclosure requirements and prohibitions of Section 50(a)(6), 50(f)(2), and limited provisions under Section 50(t) 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" 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. State usury limitations and state-specific prohibited fees testing are outside of scope.**

**(V) Federal and state specific prepayment penalty provisions.**

**(VI) Federal and state specific late charges in states with assignee liability.**

The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico, and West Virginia.

**() Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**

Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

**(I) FIRREA Review**

SitusAMC will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, SitusAMC will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

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

**(VII) Document Review.**

SitusAMC will review each mortgage loan file and verify whether the following documents, if applicable, were included in the file and that the data on applicable documents was consistent:

&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;▪ 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;

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

&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/Closing Disclosure 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.

**(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.

11 \| Page

![](ex99-1_001.jpg)

**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 eight hundred twenty-one (821) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria three hundred eighty-five (385) loans (46.89%) had an Overall grade of "A" and four hundred thirty-six (436) loans (53.11%) had an Overall grade of "B".

---

| | | |
|:---|:---|:---|
| **S&P Overall Loan Grades** | **S&P Overall Loan Grades** | **S&P Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 385 | 46.89% |
| B | 436 | 53.11% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **821** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

Five hundred seventeen (517) loans (62.97%) reviewed received an "A" Credit grade and three hundred four (304) loans (37.03%) received a "B" 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 | 517 | 62.97% |
| B | 304 | 37.03% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **821** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Three hundred four (304) loans were reviewed under the Business Purpose scope and did not contain a compliance review. All five hundred seventeen (517) loans reviewed received an "A" or "B" Compliance grade. After all documents were presented, under the applicable S&P NRSRO grading criteria two hundred eighty (280) loans (56.16%) had a Compliance grade of "A" and two hundred thirty-seven (237) loans (45.84%) had a Compliance grade of "B.

---

| | | |
|:---|:---|:---|
| **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 280 | 56.16% |
| B | 237 | 45.84% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **517** | **100.00%** |

---

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![](ex99-1_001.jpg)

**PROPERTY/VALUATION RESULTS SUMMARY**

There were eight hundred twenty-one (821) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria, eight hundred seventeen (817) loans (99.51%) had a Property grade of "A" and four (4) loans (0.49%) had a Property grade of "B".

---

| | | | |
|:---|:---|:---|:---|
| **S&P Property Loan Grades** | **S&P Property Loan Grades** | **S&P Property Loan Grades** | **S&P Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **# of Loans** | **% of 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;A | 817 | 817 | 99.51% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B | 4 | 0.49% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D | 0 | 0 | 0.00% |
| **Total** | **821** | **821** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the eight hundred twenty-one (821) loans reviewed, two hundred ninety-one (291) unique Loans had three hundred ninety-one (391) different tape discrepancies across twenty-seven (27) data fields (some Loans had more than one data delta). The most variances were found on Contract Sales Price, Refi Purpose and Borrower Last Name.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | 1 | 11 | 9.09% | 821 |
| &nbsp;&nbsp;Amortization Term | 2 | 786 | 0.25% | 821 |
| &nbsp;&nbsp;Amortization Type | 7 | 786 | 0.89% | 821 |
| &nbsp;&nbsp;Appraisal Date | 1 | 1 | 100.00% | 821 |
| &nbsp;&nbsp;Appraisal Effective Date | 0 | 1 | 0.00% | 821 |
| &nbsp;&nbsp;Appraised Value | 0 | 2 | 0.00% | 821 |
| &nbsp;&nbsp;Borrower First Name | 1 | 17 | 5.88% | 821 |
| &nbsp;&nbsp;Borrower Last Name | 56 | 423 | 13.24% | 821 |
| &nbsp;&nbsp;Borrower Self-Employed? | 0 | 7 | 0.00% | 821 |
| &nbsp;&nbsp;Borrower SSN | 0 | 1 | 0.00% | 821 |
| &nbsp;&nbsp;Cash To Borrower | 1 | 1 | 100.00% | 821 |
| &nbsp;&nbsp;City | 3 | 820 | 0.37% | 821 |
| &nbsp;&nbsp;Contract Sales Price | 181 | 796 | 22.74% | 821 |
| &nbsp;&nbsp;Debt Service Coverage Ratio | 1 | 1 | 100.00% | 821 |
| &nbsp;&nbsp;Doc Type | 0 | 10 | 0.00% | 821 |
| &nbsp;&nbsp;First Interest Rate Change Date | 0 | 4 | 0.00% | 821 |
| &nbsp;&nbsp;First Payment Date | 0 | 820 | 0.00% | 821 |
| &nbsp;&nbsp;Index Type | 0 | 6 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Only | 0 | 2 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Only Period | 0 | 1 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Rate Change Frequency | 0 | 11 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Rate Initial Cap | 0 | 11 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Rate Initial Floor | 0 | 7 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Rate Life Cap | 1 | 5 | 20.00% | 821 |
| &nbsp;&nbsp;Interest Rate Life Floor | 6 | 7 | 85.71% | 821 |
| &nbsp;&nbsp;Interest Rate Life Max | 1 | 12 | 8.33% | 821 |
| &nbsp;&nbsp;Interest Rate Life Min | 0 | 2 | 0.00% | 821 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | 0 | 4 | 0.00% | 821 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 1 | 11 | 9.09% | 821 |
| &nbsp;&nbsp;Lien Position | 0 | 786 | 0.00% | 821 |
| &nbsp;&nbsp;LTV Valuation Value | 17 | 804 | 2.11% | 821 |

---

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![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Margin | 0 | 12 | 0.00% | 821 |
| &nbsp;&nbsp;Maturity Date | 0 | 819 | 0.00% | 821 |
| &nbsp;&nbsp;MERS Min Number | 0 | 1 | 0.00% | 821 |
| &nbsp;&nbsp;Note Date | 0 | 806 | 0.00% | 821 |
| &nbsp;&nbsp;Occupancy | 0 | 12 | 0.00% | 821 |
| &nbsp;&nbsp;Original CLTV | 0 | 12 | 0.00% | 821 |
| &nbsp;&nbsp;Original Interest Rate | 2 | 812 | 0.25% | 821 |
| &nbsp;&nbsp;Original Interest Rate Period | 0 | 7 | 0.00% | 821 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 819 | 0.00% | 821 |
| &nbsp;&nbsp;Original LTV | 1 | 815 | 0.12% | 821 |
| &nbsp;&nbsp;Original P&I | 0 | 812 | 0.00% | 821 |
| &nbsp;&nbsp;Original Term | 0 | 807 | 0.00% | 821 |
| &nbsp;&nbsp;Originator Application Date | 0 | 8 | 0.00% | 821 |
| &nbsp;&nbsp;Originator Loan Designation | 9 | 508 | 1.77% | 821 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | 1 | 1 | 100.00% | 821 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | 1 | 9 | 11.11% | 821 |
| &nbsp;&nbsp;Property Type | 2 | 21 | 9.52% | 821 |
| &nbsp;&nbsp;Purpose | 12 | 813 | 1.48% | 821 |
| &nbsp;&nbsp;Refi Purpose | 70 | 532 | 13.16% | 821 |
| &nbsp;&nbsp;Representative FICO | 9 | 814 | 1.11% | 821 |
| &nbsp;&nbsp;State | 1 | 820 | 0.12% | 821 |
| &nbsp;&nbsp;Street | 1 | 37 | 2.70% | 821 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | 0 | 1 | 0.00% | 821 |
| &nbsp;&nbsp;Value Used For LTV Calculation | 0 | 7 | 0.00% | 821 |
| &nbsp;&nbsp;Zip | 2 | 820 | 0.24% | 821 |
| &nbsp;&nbsp;**Total** | **391** | **16281** | **2.40%** | **821** |

---

**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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | 804 | 97.93% | $294498863.00 | 97.17% |
| &nbsp;&nbsp;Adjustable | 17 | 2.07% | $8577653.00 | 2.83% |
| &nbsp;&nbsp;**Total** | **821** | **100.00%** | **$303076516.00** | **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** | **Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | 821 | 100.00% | $303076516.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **821** | **100.00%** | **$303076516.00** | **100.00%** |

---

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![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | 29 | 3.53% | $5961820.00 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 21 | 2.56% | $8738605.00 | &nbsp;&nbsp;2.88% |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 441 | 53.71% | $135141141.00 | 44.59% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$7617700.00 | &nbsp;&nbsp;2.51% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;86 | &nbsp;&nbsp;10.48% | &nbsp;&nbsp;$38766993.00 | &nbsp;&nbsp;12.79% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;187 | &nbsp;&nbsp;22.78% | &nbsp;&nbsp;$80447831.00 | &nbsp;&nbsp;26.54% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$26402426.00 | &nbsp;&nbsp;8.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**821** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$303076516.00** | &nbsp;&nbsp;**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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | 763 | 92.94% | $285612000.00 | 94.24% |
| &nbsp;&nbsp;361+ Months | 58 | 7.06% | $17464516.00 | 5.76% |
| &nbsp;&nbsp;**Total** | **821** | **100.00%** | **$303076516.00** | **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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | 467 | 56.88% | $165189288.00 | 54.50% |
| &nbsp;&nbsp;Condo, Low Rise | 46 | 5.60% | $13327722.00 | 4.40% |
| &nbsp;&nbsp;Condo, High Rise | 5 | 0.61% | $5855500.00 | 1.93% |
| &nbsp;&nbsp;PUD | 196 | 23.87% | $79542781.00 | 26.25% |
| &nbsp;&nbsp;Townhouse | 3 | 0.37% | $334550.00 | 0.11% |
| &nbsp;&nbsp;1 Family Attached | 19 | 2.31% | $4556343.00 | 1.50% |
| &nbsp;&nbsp;2 Family | 57 | 6.94% | $20668657.00 | 6.82% |
| &nbsp;&nbsp;3 Family | 9 | 1.10% | $4150750.00 | 1.37% |
| &nbsp;&nbsp;4 Family | 15 | 1.83% | $7566600.00 | 2.50% |
| &nbsp;&nbsp;Unavailable | 4 | 0.49% | $1884325.00 | 0.62% |
| &nbsp;&nbsp;**Total** | **821** | **100.00%** | **$303076516.00** | **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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | 498 | 60.66% | $197772564.00 | 65.25% |
| &nbsp;&nbsp;Investment | 314 | 38.25% | $101024643.00 | 33.33% |
| &nbsp;&nbsp;Second Home | 9 | 1.10% | $4279309.00 | 1.41% |
| &nbsp;&nbsp;**Total** | **821** | **100.00%** | **$303076516.00** | **100.00%** |

---

15 \| Page

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 10/14/2025 11:24:39 AM** | **Run Date - 10/14/2025 11:24:39 AM** | **Run Date - 10/14/2025 11:24:39 AM** |  |  |  |  |  |  |  |
| **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) | 5 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 9 | (redacted) |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Post close: Lender reevaluated SSI income grossing up 125%. This reduced DTI to 45.59307%. Lender did this to clear ATR violations. |
| (redacted) | 11 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 12 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | As per Appraisal |
| (redacted) | 13 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| (redacted) | 13 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 13 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 15 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 16 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 17 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 18 | (redacted) |  |  | Original Interest Rate | 11.88 | 11.875 | Verified | Field Value reflects the Note value |
| (redacted) | 19 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 20 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 20 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 21 | (redacted) |  |  | City | [redacted] | [redacted] | Verified | Corrected Note and Security Instrument provided |
| (redacted) | 23 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 23 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 24 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 27 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 27 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 27 | (redacted) |  |  | Appraisal Date | [redacted] | [redacted] | Verified | Tape Value reflects Appraisal Effective Date |
| (redacted) | 28 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 28 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 34 | (redacted) |  |  | Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 36 | (redacted) |  |  | Street | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | City | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | State | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | Zip | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | Borrower First Name | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | Property Type | Single Family |  |  |  |
| (redacted) | 36 | (redacted) |  |  | # of Units | 1 |  |  |  |
| (redacted) | 36 | (redacted) |  |  | Cash To Borrower | [redacted] | [redacted] |  |  |
| (redacted) | 36 | (redacted) |  |  | Prepayment Penalty Period (months) |  | 36 |  |  |
| (redacted) | 36 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] |  |  |
| (redacted) | 42 | (redacted) |  |  | Property Type | 2 Family | 3 Family | Verified |  |
| (redacted) | 46 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 46 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 47 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 47 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 47 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 47 | (redacted) |  |  | Refi Purpose |  | Rate/Term | 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) | 47 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 62 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 64 | (redacted) |  |  | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| (redacted) | 66 | (redacted) |  |  | Refi Purpose | Rate/Term |  | Verified | The subject loan transaction is a Purchase. |
| (redacted) | 70 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 71 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 71 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 71 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 75 | (redacted) |  |  | Interest Rate Life Max | 5 | 10.875 | Verified | Verified by Note |
| (redacted) | 78 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 79 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 80 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 81 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 82 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Subject loan is a refinance transaction. |
| (redacted) | 83 | (redacted) |  |  | Interest Rate Life Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| (redacted) | 84 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a refinance therefore sale price is not required. The 1008 does not provide a sale price nor does the approval of final CD. |
| (redacted) | 85 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. Refinance. |
| (redacted) | 87 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 88 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 89 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 90 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 90 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 91 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 91 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 92 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 92 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 93 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 94 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Subject loan is not a purchase transaction. |
| (redacted) | 94 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Documentation in file indicates multiple reasons. |
| (redacted) | 95 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 96 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| (redacted) | 96 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Transaction is a refinance |
| (redacted) | 97 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 98 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 99 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 100 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 100 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 101 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 101 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 102 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 102 | (redacted) |  |  | Other Financing Junior Total Original Loan Amount | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 106 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 107 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 107 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 109 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Borrower paid debts and received cash back. Two different reasons for C/O. |
| (redacted) | 110 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 111 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 121 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 123 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Cash out letter states to bolster saving, home repairs and final CD paying off additional debt. |
| (redacted) | 130 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 131 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Cash out Refinance transaction. |
| (redacted) | 132 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Case |
| (redacted) | 135 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 137 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 138 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 139 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 139 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 140 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 143 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction was a cash-out refinance. |
| (redacted) | 145 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 147 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 148 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 150 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 150 | (redacted) |  |  | Refi Purpose |  | Limited Cash-out GSE | 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) | 152 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 153 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | n/a - loan is a refinance |
| (redacted) | 159 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 159 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other |  |  |
| (redacted) | 160 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction is a refinance. |
| (redacted) | 160 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 162 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan is a refinance. |
| (redacted) | 162 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 163 | (redacted) |  |  | Purpose |  | Purchase | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 164 | (redacted) |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | The Borrower is also paying off debt. |
| (redacted) | 165 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 168 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Per LOE in file |
| (redacted) | 170 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Cash to help a family member and have a little extra money. |
| (redacted) | 173 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 173 | (redacted) |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | LOE reflects paying off debt, yet credit debt was not paid on the CD. Approval reflects Home Improvement. Unable to determine. Other selected |
| (redacted) | 175 | (redacted) |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | 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) | 177 | (redacted) |  |  | Purpose |  | Refinance | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 177 | (redacted) |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 180 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 182 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | n/a - refinance |
| (redacted) | 182 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 183 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 184 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 185 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Paying off ex-wife and purchase money 1st and 2nd mtgs. and LOX from borrower using cash for home improvements. |
| (redacted) | 187 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 190 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 191 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 193 | (redacted) |  |  | Originator Loan Designation | Non QM | N/A | Verified | Field value reflects source document |
| (redacted) | 203 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 203 | (redacted) |  |  | Refi Purpose |  | Limited Cash-out GSE | 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) | 205 | (redacted) |  |  | Originator Loan Designation | Safe Harbor QM | Non QM | Verified | Field value reflects source document |
| (redacted) | 206 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction is a refinance. |
| (redacted) | 206 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Payoff car loan, home improvements and pay back daughter for money borrowed. |
| (redacted) | 207 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 209 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 211 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 212 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 214 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 217 | (redacted) |  |  | Originator Loan Designation | Non QM | N/A | Verified | Field value reflects source document |
| (redacted) | 218 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 220 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 221 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 221 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | As per 1008 it is Cash out multi reason. |
| (redacted) | 222 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| (redacted) | 237 | (redacted) |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| (redacted) | 237 | (redacted) |  |  | Interest Rate Life Floor | 10.374 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 240 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 240 | (redacted) |  |  | Refi Purpose |  | Limited Cash-out GSE | 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) | 251 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 251 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 253 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 256 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 257 | (redacted) |  |  | Refi Purpose | Cash-out - Other | Cash-out - Home Improvement | Verified | Per LOX in file from borrower. |
| (redacted) | 259 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 260 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 261 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 262 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 266 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 269 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 273 | (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 273 | (redacted) |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| (redacted) | 273 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 273 | (redacted) |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE |  |  |
| (redacted) | 273 | (redacted) |  |  | Interest Rate Life Floor | 6.499 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 274 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 275 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 277 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 281 | (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 283 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance. |
| (redacted) | 285 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 286 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 289 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 290 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 291 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 292 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 294 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 295 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | refinance |
| (redacted) | 296 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 296 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 297 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 298 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 299 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 300 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 301 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 304 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 304 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 305 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 307 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 308 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 308 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 309 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 309 | (redacted) |  |  | Original LTV | 75.08 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| (redacted) | 309 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 311 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 312 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 313 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 315 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 315 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 317 | (redacted) |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 317 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| (redacted) | 321 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 321 | (redacted) |  |  | Refi Purpose |  | Limited Cash-out GSE | 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) | 322 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 323 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 324 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 325 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 326 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 326 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 326 | (redacted) |  |  | Refi Purpose |  | Rate/Term | 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) | 328 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a refinance transaction |
| (redacted) | 328 | (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 340 | (redacted) |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| (redacted) | 349 | (redacted) |  |  | Interest Rate Life Floor | 9.249 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 352 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 361 | (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 362 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 363 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | refinance |
| (redacted) | 370 | (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 372 | (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Field value reflects source document |
| (redacted) | 388 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 402 | (redacted) |  |  | Originator Loan Designation | Exempt from ATR | N/A | Verified | Group tab |
| (redacted) | 410 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 415 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 419 | (redacted) |  |  | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | 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) | 434 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 459 | (redacted) |  |  | Amortization Type |  | ARM | Verified | The bid tape field value was not provided |
| (redacted) | 459 | (redacted) |  |  | Interest Rate Life Floor | 9.99 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 461 | (redacted) |  |  | Interest Rate Life Floor | 10.624 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 467 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] |  |  |
| (redacted) | 471 | (redacted) |  |  | Amortization Type |  | ARM | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 471 | (redacted) |  |  | Interest Rate Life Floor | 10.874 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| (redacted) | 474 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 489 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 497 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | It is refinance |
| (redacted) | 507 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 517 | (redacted) |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | 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) | 517 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 529 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 547 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 550 | (redacted) |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| (redacted) | 554 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Bid tape value is not provided. |
| (redacted) | 555 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Seasoned > 6 months, not required |
| (redacted) | 556 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 556 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 557 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 557 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Home Improvement | 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) | 558 | (redacted) |  |  | Original Interest Rate | XXXX | XXXX | Verified | Field Value reflects the Note value |
| (redacted) | 559 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 559 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Appraisal |
| (redacted) | 562 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 565 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The Subject Transaction is a cash-out refinance. |
| (redacted) | 568 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 570 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 570 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan transaction is a cash-out refinance. |
| (redacted) | 572 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 572 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | The subject loan is a rate and term refinance. |
| (redacted) | 573 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 576 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 577 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 581 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | 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) | 585 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 585 | (redacted) |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Pay off existing subject mortgage and renovate another REO. |
| (redacted) | 588 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 588 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | previous purchase price |
| (redacted) | 588 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 589 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 590 | (redacted) |  |  | Purpose |  | Refinance | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 592 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 596 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 596 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 596 | (redacted) |  |  | Refi Purpose |  | Rate/Term | 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) | 596 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 598 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 600 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 600 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 600 | (redacted) |  |  | Refi Purpose |  | Limited Cash-out GSE | 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) | 601 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 603 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 605 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 607 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 609 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 609 | (redacted) |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Cash out transaction |
| (redacted) | 612 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 612 | (redacted) |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| (redacted) | 612 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 612 | (redacted) |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | 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) | 613 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 614 | (redacted) |  |  | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| (redacted) | 614 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 614 | (redacted) |  |  | Refi Purpose |  | Limited Cash-out GSE | 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) | 615 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 617 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 623 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 624 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 628 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 630 | (redacted) |  |  | Refi Purpose | Cash-out - Other | Cash-out - Home Improvement | Verified | LOX from borrower cash out for home improvements and only paying off subject mortgage at closing. |
| (redacted) | 631 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 631 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 639 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 639 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 641 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 642 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 643 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 644 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 648 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 657 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 658 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 660 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 661 | (redacted) |  |  | Refi Purpose | Cash-out - Other | Limited Cash-out GSE | 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) | 663 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 663 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 669 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 670 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 672 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 673 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 673 | (redacted) |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Bringing cash to closing |
| (redacted) | 676 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 677 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 678 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance transaction. |
| (redacted) | 679 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 680 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 681 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 683 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 687 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 688 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 690 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance transaction. |
| (redacted) | 691 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance transaction. |
| (redacted) | 692 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 694 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 694 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 697 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 697 | (redacted) |  |  | Amortization Type |  | ARM | Verified | The Bid Tape Field Value was not provided |
| (redacted) | 697 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | List Price was $XXXX |
| (redacted) | 706 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 709 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 720 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 727 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 729 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 732 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 736 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is a Refinance transaction. |
| (redacted) | 737 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 745 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 745 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 747 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 749 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 750 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 751 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 751 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance. |
| (redacted) | 752 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 754 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 754 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 755 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 757 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance. |
| (redacted) | 758 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 758 | (redacted) |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| (redacted) | 759 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 763 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 767 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 767 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 768 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 770 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 770 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 771 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 773 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 775 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 779 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 779 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 782 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 785 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 786 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 787 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 788 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 790 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 796 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 797 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 799 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 807 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 810 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 813 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 815 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal document |
| (redacted) | 815 | (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 818 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 819 | (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 820 | (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

![](ex99-1sch2_001.jpg)

**Exception Grades**

**Run Date - 10/14/2025 11:22:48 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer 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) | 1 (redacted) |  | 22575615 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  | The file is missing a copy of the required secondary valuation for securitization. |  |  |  | Reviewer Comment (2018-11-27): Lender provided a CDA with [redacted]% variance. This issue is cleared. | 11/27/2018 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 1 (redacted) |  | 22575617 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | 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 (2018-12-06): Lender provided a copy of the required document. This issue is cleared. | 12/06/2018 |  |  | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 1 (redacted) |  | 22575618 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) |  | The [redacted] Points and Fees total $[redacted] which exceeds the allowable total of $[redacted]. Note the file did not contain documentation to verify if any of the Loan Discount Points were bona fide. |  |  |  | Reviewer Comment (2019-01-04): Lender provided a refund to the borrower of [redacted] to cover the tolerance and [redacted] points and fees violations. A copy of the post-close CD, proof of delivery, letter of explanation and refund check were provided.<br>Reviewer Comment (2019-01-03): Updated from: [redacted] Constitution Section [redacted](a)(6): 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]<br>Reviewer Comment (2019-01-03): Updated from:<br>Reviewer Comment (2018-12-31): The only Mavent report in the file dated [redacted] does not disclose an undiscounted interest rate and states there were [redacted] discount points excluded. Condition remains.<br>Reviewer Comment (2018-11-14): Updated from: [redacted] Constitution Section [redacted](a)(6): 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] |  | 01/04/2019 |  | 2 C B |  | 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) | 1 (redacted) |  | 22575619 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Closing Costs Financed | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/[redacted]) | The Closing Costs Financed (Paid from your Loan Amount) in the Calculating Cash to Close section of the final CD was not disclosed. Provide a post-close CD disclosing the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made. Note: the file contained a post-close CD that disclosed the Closing Costs Financed; however the amount disclosed was incorrect. |  |  |  | Reviewer Comment (2018-12-28): Letter of Explanation & Corrected Closing Disclosure provided |  | 12/28/2018 |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 1 (redacted) |  | 22575620 |  | 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] | [redacted] violation due to increase in title fee. No evidence of cure. |  |  |  | Reviewer Comment (2018-11-09): Lender provided a tolerance cure of [redacted] on the final CD |  | 11/09/2018 |  | 2 C B |  | 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) | 1 (redacted) |  | 22575621 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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. [redacted] | Appraisal Fee disclosed as [redacted] on the initial LE, but disclosed as [redacted] on Final Closing Disclosure. |  |  |  | Reviewer Comment (2018-12-28): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  | 12/28/2018 |  | 2 C B |  | 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) | 1 (redacted) |  | 22575622 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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. [redacted] | Document Preparation Fee disclosed as [redacted] on the initial LE, but disclosed as [redacted] on Final Closing Disclosure. |  |  |  | Reviewer Comment (2018-12-28): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  | 12/28/2018 |  | 2 C B |  | 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) | 1 (redacted) |  | 22575623 |  | 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] Constitution Section 50(a)(6): [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2018-11-21): Documentation was in the file verifying the borrower received a copy of the application at least [redacted] business day prior to closing. | 11/21/2018 |  |  | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 1 (redacted) |  | 22575624 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted]) | Cure of $[redacted] was reflected, which is insufficient to cure the [redacted]% & [redacted]% tolerance violations of $[redacted]. Note: the file contained a post-close CD issued [redacted] that disclosed an additional tolerance cure of $[redacted] for a total tolerance cure of $[redacted]. The refund check, proof of delivery, and letter of explanation was provided; however an additional tolerance cure of $[redacted] was required. |  |  |  | Reviewer Comment (2018-12-28): Letter of Explanation & Corrected Closing Disclosure provided<br>Reviewer Comment (2018-12-24): [redacted] received cure docs for another file.<br>Buyer Comment (2018-12-21): PLEASE DISREGARD. SENT IN ERROR FOR A DIFFERENT FILE.<br>Buyer Comment (2018-12-21): PCCD AND LOE AND CURE CHECK AND TRACKING SENT.<br>Buyer Comment (2018-12-21): CURE CHECK AND TRACKING<br>Buyer Comment (2018-12-21): PCCD AND LOE |  | 12/28/2018 |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 2 (redacted) |  | 22575740 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Federal HPML [redacted]Compliant | 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 (2018-12-06): Per the guidelines, deferred items may be left "as is" if the aggregate cost to cure the deficiency does not exceed [redacted] or impact the safety or habitability of the property. The appraiser states deferred maintenance of [redacted]<br>Buyer Comment (2018-11-30): Please waive. Per guide [redacted], deferred maintenance is allowed provided the repair is not structural as noted by the appraiser. In review of the appraisal, the appraiser noted a "[redacted]" substance on the bathroom ceiling which needs to be removed and painted over. The appraiser did not indicate any structural issues and/or habitable issues pertaining to the issue. | 12/06/2018 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 2 (redacted) |  | 22575744 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. ([redacted]) | Fee was not disclosed on Loan Estimate. No COC provided. Cure provided at closing. |  |  |  | Reviewer Comment (2018-11-09): LOE and corrected PCCD on file. |  | 11/09/2018 |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 2 (redacted) |  | 22575746 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Mold Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Cure provided at closing |  |  |  |  |  | 11/02/2018 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 2 (redacted) |  | 22575747 |  | Compliance | Compliance | Federal Compliance | TRID | Subject property has environmental problems noted by appraiser or visible in the photos | Valuation Type: Appraisal / Valuation Report Date: [redacted] | Appraiser notes mold on bathroom ceiling. No proof in file that this was remedied |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 2 (redacted) |  | 22575748 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. ([redacted]) | Fee was not disclosed on Loan Estimate. No COC provided. Cure provided at closing. |  |  |  |  |  | 11/06/2018 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 3 (redacted) |  | 22576004 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: [redacted]l // Borrower: [redacted] | The Fraud Report in file shows outstanding red flags regarding the loan originator that are not addressed. |  |  |  | Reviewer Comment (2018-12-10): Lender provided a Fraud report with a [redacted] score and evidence the LO issue was investigated and cleared. This issue is cleared. | 12/10/2018 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM | Non QM | No |
| (redacted) | 3 (redacted) |  | 22576005 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Federal HPML [redacted]Compliant | 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. | The APR is greater than the allowable threshold. |  |  |  | Reviewer Comment (2019-01-27): The lender provided documentation re-designating the loan as Non-QM.<br>Reviewer Comment (2018-12-10): 1.) [redacted] has [redacted] years employment history documented. QM requires [redacted] years. 2.) Borrower has .[redacted]years with the current employer. QM requires borrower be on their present job no less than [redacted] months when their is a [redacted] month or more Gap in their employment history. This loan will not qualify as a HPML as the loan designation is on tape.<br>Buyer Comment (2018-12-05): Gap letter was in the original file. Please note this explains why the co borrower wasn't employed all of [redacted] until [redacted](WVOE in file) | 01/27/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM | Non QM | No |
| (redacted) | 3 (redacted) |  | 22576007 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]: Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. | QM doesn't meet all requirements due to missing letters for gaps of employment for the Co-borrowers employment history. |  |  |  | Reviewer Comment (2019-01-27): The lender provided documentation re-designating the loan as Non-QM.<br>Reviewer Comment (2018-12-10): 1.) [redacted] has [redacted]years employment history documented. QM requires [redacted] years. 2.) Borrower has .[redacted]years with the current employer. QM requires borrower be on their present job no less than [redacted] months when their is a [redacted] month or more Gap in their employment history. This loan will not qualify as a HPML as the loan designation is on tape.<br>Buyer Comment (2018-12-05): gap letter in original file. It explains employment history as to why he wasn't employed until [redacted], per previous WVOE in file. | 01/27/2019 |  |  | 1 A C B |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Higher Priced QM | Non QM | Yes |
| (redacted) | 3 (redacted) |  | 22576008 |  | 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 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | The disclosure is missing a signature from the Lender. |  |  |  | Reviewer Comment (2018-12-10): Lender provided a copy of the Fair Market Value notice with the lender's signature. This issue is cleared.<br>Buyer Comment (2018-12-05): FAIR MARKET DISCLOSURE SIGNED BY LENDER | 12/10/2018 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | 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 C | Higher Priced QM | Non QM | Yes |
| (redacted) | 3 (redacted) |  | 22576009 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | 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 at Closing. ([redacted]) | A cure of [redacted] was provided at closing. |  |  |  |  |  | 11/21/2018 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM | Non QM | Yes |
| (redacted) | 3 (redacted) |  | 22576010 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay [redacted]: The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | The lender provided documentation re-designating the loan as Non-QM. |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 22576157 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay [redacted] Unable to verify current employment status using reasonably reliable third-party records. ([redacted]/[redacted]) | The file was missing a copy of the required verification borrower is [redacted]% owner of business and business has been in existence for [redacted] years |  |  |  | Reviewer Comment (2018-12-13): Lender provided a copy of the CPA letter which confirms [redacted]% ownership and has been in business for at least [redacted] years.<br>Buyer Comment (2018-12-11): please see CPA letter. This should have been in the original upload. Please remove condition. | 12/13/2018 |  |  | 1 A C B |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 4 (redacted) |  | 22576158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Federal HPML [redacted]Compliant | 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 (2018-12-13): Lender provided a copy of the CPA letter which confirms [redacted]% ownership and has been in business for at least [redacted] years.<br>Buyer Comment (2018-12-11): please see attached CPA letter. This should have been in the original upload. Please remove condition. | 12/13/2018 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 22576159 |  | Compliance | Compliance | Federal Compliance | ATR/QM | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating [redacted]: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted]) | Cure for CDA fee in the amount of [redacted] was not provided. Provide a post-close CD disclosing the tolerance cure of $[redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2018-12-13): Lender provided a copy of the CPA letter which confirms [redacted]% ownership and has been in business for at least [redacted] years. | 12/13/2018 |  |  | 1 A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 22576160 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [redacted] disclosed a Closing Date that did not match the actual date of consummation. (Final/[redacted]) | The final Closing Disclosure reflects a Closing Date of [redacted], but the transaction consummation (mortgage notary) date was [redacted]. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. (Post closing cd does not address the closing date of [redacted]). |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 4 (redacted) |  | 22576161 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [redacted] did not disclose number of months for Property Tax under Prepaids. (Final/[redacted]) | The number of months for the property tax in section F of prepaids not disclosed. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2018-12-28): Letter of Explanation & Corrected Closing Disclosure required to cure. [redacted]received Post Close CD dated [redacted] Section F shows [redacted] as prepaid for HOI. Verified HOI per documents in the file is [redacted] |  |  |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 4 (redacted) |  | 22576162 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[redacted]) | TThe final CD disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is [redacted] however [redacted] collected in section F for [redacted] months. The amount collected in section F was equal to [redacted] months, since a whole number is required to be disclosed, provide a post-close CD disclosing the full [redacted] month premium and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2018-12-17): Letter of Explanation & Corrected Closing Disclosure provided.<br>Buyer Comment (2018-12-13): PCCD AND LOE |  | 12/17/2018 |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 4 (redacted) |  | 22576165 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/[redacted]) | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted] Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2018-12-17): Letter of Explanation & Corrected Closing Disclosure provided.<br>Buyer Comment (2018-12-13): PCCD AND LOE |  | 12/17/2018 |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 4 (redacted) |  | 22576166 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. ([redacted]) | The file contained a change of circumstance disclosure for the re-disclosed (LE or CD) issued [redacted] adding the fee; however the change of circumstance was not provided and a tolerance cure is required. Provide a post-close CD disclosing the tolerance cure of [redacted] a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 4 (redacted) |  | 22576167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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. ([redacted]) | The file contained a change of circumstance disclosure for the re-disclosed (LE or CD) issued [redacted] adding the fee; however the change of circumstance was not provided and a tolerance cure is required. Provide a post-close CD disclosing the tolerance cure of $[redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2018-12-28): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br>Reviewer Comment (2018-12-17): Letter of Explanation & Corrected Closing Disclosure provided. Please provide cure check and proof of delivery to cure.<br>Buyer Comment (2018-12-13): PCCD AND LOE |  | 12/28/2018 |  | 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) | 5 (redacted) |  | 22576195 |  | 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 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. | Missing [redacted]- Itemized fee Disclosure |  |  |  | Reviewer Comment (2018-12-10): Lender provided a copy signed by the lender.<br>Buyer Comment (2018-12-03): FAIR MARKET SIGNED BY LENDER | 12/10/2018 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | 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. C | Non QM | Non QM | Yes |
| (redacted) | 5 (redacted) |  | 22576196 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | 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 at Closing. ([redacted]) | Fee was not disclosed on Loan Estimate. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2018-12-10): Lender provided acknowledgement of itemized disclosure.<br>Buyer Comment (2018-12-03): FINAL [redacted] ITEMIZATION DISCLOSURE | 12/10/2018 |  |  | 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. D A C | Non QM | Non QM | Yes |
| (redacted) | 5 (redacted) |  | 22576197 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]t Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Fee disclosed as [redacted] on LE dated [redacted], but disclosed as [redacted] on Final Closing Disclosure. Sufficient cure provided. |  |  |  |  |  | 11/26/2018 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 5 (redacted) |  | 22576198 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Fee disclosed as $[redacted] on LE dated [redacted], but disclosed as $[redacted]on Final Closing Disclosure. Sufficient cure provided. |  |  |  |  |  | 11/26/2018 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 6 (redacted) |  | 22576417 |  | 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 ___. | LTV higher than guidelines by [redacted] Guidelines at [redacted] LTV and loan at [redacted] LTV. Exception noted on approval. | DTI below max by [redacted]% or greater<br>Residual income far exceeds requirements |  | Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-20): Lender approved exception granting LTV up to [redacted] |  |  | 12/20/2018 | 2 C B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Higher Priced QM | Higher Priced QM | No |
| (redacted) | 7 (redacted) |  | 22576437 |  | 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 ___. | DTI of [redacted]% exceeded the guideline maximum of [redacted]%. | Borrower has job stability for [redacted] years as an [redacted]<br>Borrowers made a down payment from sales of previous residence on this purchase transaction.<br>[redacted] months reserves > [redacted] months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-21): Lender provided an exception approval for the DTI exceeding the guideline max |  |  | 12/21/2018 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576438 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2019-01-03): Lender provided the final title policy. This issue is cleared. | 01/03/2019 |  |  | 1 A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576439 |  | Compliance | Compliance | Federal Compliance | TRID | RESPA Homeownership Counseling List Timing | RESPA Disclosure Rule [redacted]: List of Homeownership Counseling Organizations not provided to applicant within [redacted] business days of application. | The file was missing a copy of the List of Homeownership Counseling Organizations provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-21): Lender provided a post-close CD correcting the Contact Information section. |  | 12/21/2018 |  | 2 B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 22576440 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating[redacted] Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted]) | Cure of $[redacted] for Collateral Desktop Analysis Fee was not provided. |  |  |  | Reviewer Comment (2019-01-16): Letter of Explanation & Corrected Closing Disclosure provided<br>Buyer Comment (2019-01-15): PCCD, LOE, CURE CHECK AND TRACKING UPLOADED. |  | 01/16/2019 |  | 2 B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 7 (redacted) |  | 22576442 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Service Provider Timing | TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within [redacted] business days of application. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-21): Cure provided on the final CD |  | 12/21/2018 |  | 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) | 7 (redacted) |  | 22576443 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted]) | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows $-[redacted]-. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2019-01-16): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided<br>Buyer Comment (2019-01-15): PCCD, LOE, CURE CHECK AND TRACKING UPLOADED. |  | 01/16/2019 |  | 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) | 7 (redacted) |  | 22576445 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | 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. ([redacted]) | The Collateral Desktop Analysis Fee was not disclosed on Loan Estimate. The fee was added to the re-disclosed LE issued [redacted]; however a tolerance cure or a valid change of circumstance disclosure was not provided. |  |  |  | Reviewer Comment (2018-12-28): Document provided<br>Buyer Comment (2018-12-27): HOMEOWNERSHIP COUNSELING ACKNOWLEDGEMENT | 12/28/2018 |  |  | 1 B A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576446 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Timing | Truth in Lending Act ([redacted]): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within [redacted] business days of application. | The file was missing a copy of the Home Loan Toolkit Disclosure provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-28): Document provided<br>Buyer Comment (2018-12-27): HOME LOAN TOOL KIT ACKNOWLEDGEMENT | 12/28/2018 |  |  | 1 B A |  | NV | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576447 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Service Provider Timing | TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within [redacted] business days of application. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within [redacted] days of the Originator's application date. |  |  |  | Reviewer Comment (2018-12-28): Document provided<br>Buyer Comment (2018-12-27): SSPL | 12/28/2018 |  |  | 1 B A |  | NV | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576448 |  | Credit | Title | General | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2019-01-03): Lender provided the final title policy insuring the Note amount. This issue is cleared.<br>Buyer Comment (2019-01-02): uploaded. | 01/03/2019 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576449 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title in file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted] Provide a copy of the final title policy or an addendum to the preliminary title verifying title insurance of at least the loan amount. | Borrower has job stability for [redacted] years as an [redacted]<br>Borrowers made a down payment from sales of previous residence on this purchase transaction.<br>[redacted] months reserves > [redacted] months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-21): Lender provided an exception approval for the residual income |  |  | 12/21/2018 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 7 (redacted) |  | 22576451 |  | 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)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI of [redacted]% exceeded the guideline maximum of [redacted]%. | Borrower has job stability for [redacted] years as an [redacted]<br>Borrowers made a down payment from sales of previous residence on this purchase transaction.<br>[redacted] months reserves > [redacted] months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2018-12-21): Lender provided an exception approval for the DTI exceeding the guideline max |  |  | 12/21/2018 | 2 C B |  | NV | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577348 |  | Compliance | Compliance | Federal Compliance | TRID 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 grossed up SSI benefits [redacted]% resulting in a [redacted] DTI. |  |  |  | Reviewer Comment (2019-03-13): Revised Initial CD provided with proof of receipt<br>Buyer Comment (2019-03-13): Second CD [redacted] uploaded.<br>Reviewer Comment (2019-03-13): The loan file only contains 1 CD issued on [redacted] with an APR of [redacted] If another CD was issued on [redacted] please provide.<br>Buyer Comment (2019-03-13): Please see disclosure tracking details for BOTH CD's sent out on [redacted] Second CD sent out on [redacted] with an APR [redacted] viewed on [redacted] Please re-review.<br>Reviewer Comment (2019-03-12): Initial CD dated [redacted] disclosed an APR of [redacted] Final CD was sent to borrower on [redacted] with an APR of [redacted] which exceeds [redacted]%. Requiring a [redacted] day waiting period prior to consummation. Disclosure tracking details in file confirm borrower received [redacted] CD on [redacted] Closing occurred on [redacted] which is less than [redacted] days<br>Buyer Comment (2019-03-12): Disclosure Tracking Details uploaded for CD [redacted] reflecting an APR [redacted] with sufficient [redacted] day waiting period. | 03/13/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577349 |  | 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 ___. | LTV of [redacted]% exceeds guideline maximum of [redacted]%. | Borrower's overall monthly debt payment decreased by [redacted] per month with this refinance. All discretionary debt paid off. |  | Originator Pre-Close | Reviewer Comment (2025-09-24): Lender approved exception in file.<br>Reviewer Comment (2025-09-24): reopen to remove a comp factor<br>Reviewer Comment (2019-02-28): Lender approved exception granting LTV of [redacted] |  |  | 09/24/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577350 |  | 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 of [redacted]% exceeds guideline maximum of [redacted]%.. Lender approved exception of DTI up to [redacted]%, however, the compensating factors were not strong enough to downgrade exception. | Borrower's overall monthly debt payment decreased by [redacted] per month with this refinance. All discretionary debt paid off. |  | Originator Pre-Close | Reviewer Comment (2025-09-24): Lender approved exception in file.<br>Reviewer Comment (2025-09-24): reopen to remove a comp factor<br>Reviewer Comment (2019-03-05): Lender recalculated income grossing up SSI by a [redacted]% factor bring the DTI down to [redacted] . There is a lender exception approval for increasing the DTI to [redacted] The final DTI of V is within [redacted] of the guidelines maximum of [redacted] This issue is waived to an [redacted].<br>Buyer Comment (2019-03-05): restructured file. Grossed up SS income to [redacted]%. Revised qualified income [redacted] x [redacted]%=[redacted]. New debt to income ratio at [redacted] |  |  | 09/24/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577351 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | Cure provided of $[redacted] is insufficient to cure multiple [redacted]% tolerance violations totaling <br> $[redacted]. |  |  |  | Reviewer Comment (2019-03-05): Lender re-evaluated income grossing up SSI income by a [redacted]% factor. This reduced the final DTI to [redacted] There is also a lender approval for DTI to [redacted] with compensating factors. This issue is cleared.<br>Buyer Comment (2019-03-05): restructured file. Grossed up SS income to [redacted]%. Revised qualified income [redacted] x [redacted]%=[redacted]. New debt to income ratio at [redacted] | 03/05/2019 |  |  | 1 A C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 9 (redacted) |  | 22577352 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on [redacted] contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least [redacted] business days prior to consummation | Initial CD dated [redacted] disclosed an APR of [redacted] Final CD was sent to borrower on [redacted] with an APR of [redacted] which exceeds [redacted]%. Requiring a [redacted] day waiting period prior to consummation. Consummation took place on [redacted] Requirement was not met. |  |  |  | Reviewer Comment (2019-03-05): Lender re-evaluated income grossing up SSI income by a [redacted]% factor. This reduced the final DTI to [redacted] There is also a lender approval for DTI to [redacted] with compensating factors. This issue is cleared.<br>Buyer Comment (2019-03-05): restructured file. Grossed up SS income to [redacted]%. Revised qualified income [redacted] x [redacted]%=[redacted]. New debt to income ratio at [redacted] | 03/05/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577353 |  | Compliance | Compliance | Federal Compliance | ATR/QM 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. | Loan Discount Points were disclosed as [redacted] on LE, and increased to [redacted] No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2019-03-05): Lender revised income calculations for SSI grossing up [redacted]%. Resulting DTI is [redacted] This issue is cleared.<br>Buyer Comment (2019-03-05): restructured file. Grossed up SS income to [redacted]%. Revised qualified income [redacted] x [redacted]%=[redacted]. New debt to income ratio at [redacted] | 03/05/2019 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577354 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Title - Endorsement Fee was disclosed as [redacted] on LE, and increased to [redacted] on Final CD. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2019-03-12): Change of circumstance provided - loan amount increase<br>Buyer Comment (2019-03-12): COC [redacted] uploaded reflecting loan amount increase, fees increased based on the loan amount increase and rate increase increasing discount fee. | 03/12/2019 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 9 (redacted) |  | 22577355 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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. | Cure provide to the borrower at closing |  |  |  | Reviewer Comment (2019-03-12): Change of circumstance provided - loan amount increase<br>Buyer Comment (2019-03-12): COC [redacted] uploaded reflecting loan amount increase, fees increased based on the loan amount increase and rate increase increasing discount fee. | 03/12/2019 |  |  | 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) | 9 (redacted) |  | 22577356 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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] Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance Fee was disclosed as [redacted] on LE, and increased to [redacted] on Final CD. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2019-03-12): Change of circumstance provided - loan amount increase<br>Buyer Comment (2019-03-12): COC [redacted] uploaded reflecting loan amount increase, fees increased based on the loan amount increase and rate increase increasing discount fee. | 03/12/2019 |  |  | 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) | 9 (redacted) |  | 22577357 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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]. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance Fee was disclosed as $[redacted] on LE, and increased to $[redacted] on Final CD. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2019-03-12): Change of circumstance provided - loan amount increase<br>Buyer Comment (2019-03-12): COC [redacted] uploaded reflecting loan amount increase, fees increased based on the loan amount increase and rate increase increasing discount fee. | 03/12/2019 |  |  | 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) | 9 (redacted) |  | 22577358 |  | 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 grossed up SSI benefits [redacted]% resulting in a [redacted]% DTI. | Borrower's overall monthly debt payment decreased by [redacted] per month with this refinance. All discretionary debt paid off. |  | Originator Pre-Close | Reviewer Comment (2025-09-24): Lender approved exception in file.<br>Reviewer Comment (2025-09-24): reopen to remove a comp factor<br>Reviewer Comment (2019-03-05): Lender provided a DTI exception approval, with compensating factors, to a [redacted] DTI maximum. The issue is waived to an [redacted]. |  |  | 09/24/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 9 (redacted) |  | 22577359 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. | Cure provide to the borrower at closing |  |  |  |  |  | 03/12/2019 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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 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 (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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 11 (redacted) |  | 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) | 12 (redacted) |  | 30390253 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Utilization not provided |  | Need verification that the cash out proceeds will not be used for personal, family, or household purposes. |  |  |  | Reviewer Comment (2023-12-05): Affidavit of non-occupancy provided stating mortgage loan is exclusively for business purpose. Exception Cleared.<br>Buyer Comment (2023-11-29): Signed business purpose affidavit uploaded | 12/05/2023 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 12 (redacted) |  | 30390255 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2023-12-05): Received Flood Insurance Policy for the subject property and updated the same. Exception Cleared.<br>Buyer Comment (2023-11-29): Flood insurance policy uploaded | 12/05/2023 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 12 (redacted) |  | 30390256 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Late housing payment exceeds Guidelines. | Borrower's monthly 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>Miscellaneous | [redacted] Exception with [redacted]<br>[redacted] Exception with [redacted]<br>Conservative use of credit or minimal use of revolving Credit. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-02-13): Lender Exception with Compensating Factors. |  |  | 02/13/2024 | 2 B |  | MS | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399141 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Per approval document CU score is [redacted]. Per GL's [redacted] CU score of [redacted] or lower, Desk Review or a second full appraisal is not required. |  |  |  | Reviewer Comment (2023-09-11): Received<br>Reviewer Comment (2023-08-25): UCDP was provided showing a score of [redacted].<br>Buyer Comment (2023-08-23): [redacted] UCDP with score of [redacted] uploaded | 09/11/2023 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399142 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws not provided. |  |  |  | Reviewer Comment (2023-08-25): Company is an [redacted] and By-laws are not required.<br>Buyer Comment (2023-08-23): Articles of Inc uploaded<br>Buyer Comment (2023-08-23): Operating Agreement uploaded | 08/25/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399143 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution not provided. |  |  |  | Reviewer Comment (2023-08-25): Operating agreement shows sole membership and power to bind the company.<br>Buyer Comment (2023-08-23): operating agreement uploaded | 08/25/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399144 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification not provided. |  |  |  | Reviewer Comment (2023-08-25): Verification of identification was provided.<br>Buyer Comment (2023-08-23): USA Patriot Act Disclosure uploaded | 08/25/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399145 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, all borrowers must presently own or rent their primary residence. Evidence is required. Borrower's housing unverifiable. | Borrower has a clean housing payment history<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Prior homeownership experience [redacted].<br>[redacted] Exception with [redacted] | Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-31): Lender Exception with Compensating Factors<br>Reviewer Comment (2023-08-31): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-08-29): Compensating factors used for the exception were ltv [redacted]% below guideline and prior homeownership experience (no fc or ss)<br>Reviewer Comment (2023-08-25): The low housing ratio compensating factor is not applicable for a [redacted] loan where the housing ratio is not calculated.<br>Buyer Comment (2023-08-23): Approved exception uploaded |  |  | 08/31/2023 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399146 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Note is missing the business entity name and signature. |  |  |  | Reviewer Comment (2023-08-25): Corrected note was provided.<br>Buyer Comment (2023-08-23): Note fully executed uploaded | 08/25/2023 |  |  | 1 C A D |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 30399147 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lease agreement provided is expired. Please provide evidence of lease renewal or a new lease. |  |  |  | Reviewer Comment (2023-08-30): Renewed lease provided. Exception cleared.<br>Buyer Comment (2023-08-29): Lease dated [redacted] thru [redacted] uploaded.<br>Reviewer Comment (2023-08-25): Renewed lease agreement was not provided.<br>Buyer Comment (2023-08-23): Current lease with signatures uploaded | 08/30/2023 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 14 (redacted) |  | 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) | 14 (redacted) |  | 30399441 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [Redaction] 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 14 (redacted) |  | 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) | 15 (redacted) |  | 30399524 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [Redaction]<br> Family not provided |  | [redacted]<br> family rider is missing in loan file. |  |  |  | Reviewer Comment (2023-10-10): Associated [redacted] Family Rider, exception Cleared.<br>Buyer Comment (2023-09-27): Deed of Trust with all riders uploaded. | 10/10/2023 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 15 (redacted) |  | 30399526 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not have credit tradelines reporting active for at least [redacted]<br> months as required per guidelines. An exception was approved with compensating factors provided. | 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 (2023-12-12): A review of all compensating factors available discovered sufficient support to downgrade the exception. Lender exception provided.<br>Reviewer Comment (2023-10-16): Tradelines are the reason for the Exception being cited. Cannot use the Comp Factor provided stating limited credit usage.<br>Buyer Comment (2023-09-27): UPE Approved PTC by [redacted] uploaded.<br>Reviewer Comment (2023-09-20): There is no income for the loans. No Ratios calculated for DTIs. |  |  | 12/12/2023 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 15 (redacted) |  | 30399527 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2023-10-10): Prepayment addendum to Note received and verified the details. Exception Cleared.<br>Buyer Comment (2023-09-27): Note with pp addendum uploaded. | 10/10/2023 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | Yes |
| (redacted) | 15 (redacted) |  | 30399528 |  | 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 (2024-01-03): Received Disaster Inspection Report stating No noticeable damage was found, exception cleared.<br>Buyer Comment (2023-12-28): Disaster reinspection uploaded. | 01/03/2024 |  |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 31686580 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | 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 1. 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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, VA 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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 50(a)(6): 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) | 17 (redacted) |  | 31686585 |  | 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 50(a)(6): 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)(6): 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): CMS 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) | 17 (redacted) |  | 31686586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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 H-9 form was used, the H-8 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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 XXXX XXXX XXXX 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) | 17 (redacted) |  | 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 50(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. | 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) | 17 (redacted) |  | 31686594 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (CLTV Exceeds 80% Threshold) | [redacted] Constitution Section 50(a)(6): 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) | 17 (redacted) |  | 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]Constitution Section 50(a)(6): [redacted] Loan. Borrower was not provided copy of Application 1 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) | 17 (redacted) |  | 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 50(a)(6): [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) | 17 (redacted) |  | 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 50(a)(6): 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) | 17 (redacted) |  | 31686598 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Both paystubs and XXXX 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) | 17 (redacted) |  | 31686599 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Both paystubs and XXXX 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 Thrift 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 Thrift 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) | 17 (redacted) |  | 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) | 17 (redacted) |  | 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) | 18 (redacted) |  | 31686821 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Effective Date of the policy in file is [redacted]. Disbursement date is [redacted] A copy of the prior policy was not found. |  |  |  | Reviewer Comment (2023-11-21): Hazard Insurance Policy received from[redacted] till [redacted]. Exception cleared.<br>Buyer Comment (2023-11-15): Please see Old and New Hazard insurance policy attached. | 11/21/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686822 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-12-08): CDA received. Details verified and updated hence Cleared the Exception.<br>Buyer Comment (2023-11-29): Please see appraisal report & CDA report attached. appraisal reports are for [redacted], [redacted] and CDA report dated 0[redacted]<br>Reviewer Comment (2023-11-21): The file is missing a copy of the secondary valuation required for securitization purposes.<br>Buyer Comment (2023-11-15): Please see CDA report attached | 12/08/2023 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686823 |  | 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. | 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 COC for this fee, cure not provided at closing. |  |  |  | Reviewer Comment (2023-11-16): [redacted] received a valid COC.<br>Buyer Comment (2023-11-15): Please see docs attached including lock rate, CD dated [redacted]. Discount points changed due to rate lock/relock | 11/16/2023 |  |  | 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) | 18 (redacted) |  | 31686824 |  | 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]% tolerance was exceeded by $[redacted]due to increase of Loan Discount points fees . No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2023-11-30): [redacted] received Post CD,LOX and payment history,<br>Buyer Comment (2023-11-29): Please see PCCD & Pymt History attached showing a cure for $[redacted]due to increased in settlement charges. |  | 11/30/2023 |  | 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) | 18 (redacted) |  | 31686825 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The Non-Escrowed Property Costs over Year 1 was not completed to reflect the HOA Dues. |  |  |  | Reviewer Comment (2023-11-16): [redacted] received Post CD and LOX.<br>Buyer Comment (2023-11-15): Please see PCCD attached included HOA cost over one year |  | 11/16/2023 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 18 (redacted) |  | 31686826 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Revised final Loan Application reflecting the cash out proceeds in the asset section utilized for reserves is required. |  |  |  | Reviewer Comment (2023-11-29): Exception Cleared Received Non-Agency Loan Approval, 1003 and CD Exception is Approved for reserves.<br>Buyer Comment (2023-11-15): please see attached documents Non Agency Loan Approval, 1003, CD. 1003 is correct per Non Agency our file was approved for exception due to use cash out reserves proceeds can be used as cash reserves. | 11/29/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686827 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | The Mortgage Payoff statement was not found in the file. |  |  |  | Reviewer Comment (2023-12-04): Received mortgage payoff statement. Prepayment penalty was not included in the payoff. Payoff attached and exception cleared.<br>Buyer Comment (2023-11-15): Please see Payoff statement attached | 12/04/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686828 |  | 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 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | The Fair Market Value disclosure was not executed by the lender. |  |  |  | Reviewer Comment (2023-12-04): Received Fair Market Acknowledgment Signed By Lender. Exception cleared.<br>Buyer Comment (2023-11-15): Please see Fair Market Value attached signed by both borrowers and Lender | 12/04/2023 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | 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 C | Non QM | Non QM | Yes |
| (redacted) | 18 (redacted) |  | 31686830 |  | 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. | The document signed at closing indicating receipt of the appraisal is not valid. It contains two options and the borrower did not select the option that applied. Document was not found to verify the appraisal was received at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-04): Received proof of appraisal delivery. Exception cleared.<br>Buyer Comment (2023-11-15): Please see attached documents that includes proof of deliver of appraisal report for [redacted] and [redacted] | 12/04/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686831 |  | 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. | The document signed at closing indicating receipt of the appraisal is not valid. It contains two options and the borrower did not select the option that applied. Document was not found to verify the appraisal was received at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-04): Received proof of appraisal delivery. Exception cleared.<br>Buyer Comment (2023-11-15): Please see attached documents that includes proof of deliver of appraisal report for [redacted] and [redacted]08/28 | 12/04/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686832 |  | 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 due to missing evidence the borrower as provided with the appraisal. |  |  |  | Reviewer Comment (2023-12-04): Received proof of appraisal delivery. Exception cleared.<br>Buyer Comment (2023-11-15): Please see attached documents that includes proof of deliver of appraisal report for [redacted] and [redacted] | 12/04/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686833 |  | 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. | Documentation not found to verify all copies of the appraisal were provided to the borrower. |  |  |  | Reviewer Comment (2023-12-04): Received proof of appraisal delivery. Exception cleared.<br>Buyer Comment (2023-11-15): Please see attached documents that includes proof of deliver of appraisal report for [redacted] and [redacted] | 12/04/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686834 |  | 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. | Documentation not found to verify all copies of the appraisal were provided to the borrower. |  |  |  | Reviewer Comment (2023-12-04): Received proof of appraisal delivery. Exception cleared.<br>Buyer Comment (2023-11-15): Please see attached documents that includes proof of deliver of appraisal report for [redacted] and [redacted] | 12/04/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686835 |  | 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 FICO of [redacted]does not meet the [redacted]guideline requirement to utilize cash out proceeds for reserves. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least $[redacted] | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-11-08): Lender Exception with Compensating Factors. |  |  | 11/08/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 18 (redacted) |  | 31686836 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The FICO of [redacted]does not meet the [redacted]guideline requirement to utilize cash out proceeds for reserves. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least $[redacted] | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-12-15): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-12-05): Could you please advise if there is something is missing on this exception.<br>Reviewer Comment (2023-11-08): Lender Exception with Compensating Factors. |  |  | 12/15/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 31686839 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2023-12-09): UCDP < [redacted]<br>Reviewer Comment (2023-12-08): [redacted] UCDP is required and Fannie Mae UCDP received. Exception remains.<br>Buyer Comment (2023-11-29): No secondary valuation required, FNMA report uploaded to support score of 1 | 12/09/2023 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B A C | Non QM | Non QM | No |
| (redacted) | 19 (redacted) |  | 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 50(a)(6): 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) | 19 (redacted) |  | 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 FNMA 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) | 19 (redacted) |  | 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]Constitution 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) | 19 (redacted) |  | 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) | 19 (redacted) |  | 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) | 19 (redacted) |  | 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 H-9 form was used, the H-8 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) | 19 (redacted) |  | 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) | 19 (redacted) |  | 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) | 19 (redacted) |  | 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) | 19 (redacted) |  | 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 60 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) | 20 (redacted) |  | 31686924 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-01-08): Received FNMA UCDP report Exception Cleared<br>Buyer Comment (2024-01-04): Appraisal Review UCDP uploaded. | 01/08/2024 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686925 |  | 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. |  |  |  | Reviewer Comment (2024-01-08): Evidence of appraisal deliver to borrower received on file Exception cleared.<br>Buyer Comment (2024-01-04): Appraisal proof of delivery uploaded. | 01/08/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686926 |  | 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 (2024-01-08): Evidence of appraisal deliver to borrower received on file Exception cleared.<br>Buyer Comment (2024-01-04): Appraisal proof of delivery uploaded. | 01/08/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686927 |  | 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. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-01-08): Evidence of appraisal deliver to borrower received on file Exception cleared.<br>Buyer Comment (2024-01-04): Appraisal proof of delivery uploaded. | 01/08/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686928 |  | 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]% tolerance was exceeded by $[redacted]due to Increase of Recording Fee. No valid Change Of Circumstance provided, nor evidence of sufficient cure in file. |  |  |  | Reviewer Comment (2024-01-12): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2024-01-11): PCCD and payment history reflecting PR uploaded. |  | 01/12/2024 |  | 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) | 20 (redacted) |  | 31686929 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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]% tolerance was exceeded by $[redacted]due to Increase of Credit Report Fee. No valid Change Of Circumstance provided, nor evidence of sufficient cure in file. |  |  |  | Reviewer Comment (2024-01-12): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2024-01-11): PCCD and payment history reflecting PR uploaded. |  | 01/12/2024 |  | 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) | 20 (redacted) |  | 31686930 |  | 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 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 Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Loan transaction results in total monthly payment savings of at least $[redacted]to $[redacted]per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-04-10): Comp Factor Update.<br>Reviewer Comment (2024-01-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-01-04): UPE approved PTC by [redacted] with correct CFs uploaded.<br>Reviewer Comment (2023-12-21): Exception is for reserves, yet reserves are listed as a Comp Factor. Please correct. |  |  | 04/10/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686931 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of [redacted]. UPDATE[redacted] Reserves required of [redacted] months not met. | 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Loan transaction results in total monthly payment savings of at least $[redacted]to $[redacted]per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-04-10): Comp Factor Update.<br>Reviewer Comment (2024-01-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-01-04): UPE approved PTC by [redacted] with correct CFs uploaded. |  |  | 04/10/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686932 |  | 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 is less than Guideline PITIA months reserves of [redacted]. UPDATE[redacted]: Reserves required of [redacted] months not met. |  |  |  | Reviewer Comment (2024-01-19): Lender Exception with Compensating Factors provided. System cleared after Credit downgrade and waive.<br>Buyer Comment (2024-01-04): UPE approved PTC by [redacted] uploaded to specific exception. | 01/19/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 20 (redacted) |  | 31686933 |  | 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.) | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of [redacted]. UPDATE [redacted]: Reserves required of [redacted] months not met. |  |  |  | Reviewer Comment (2024-01-19): Lender Exception with Compensating Factors provided. System cleared after Credit downgrade and waive.<br>Buyer Comment (2024-01-04): UPE approved PTC by [redacted] uploaded to specific exception. | 01/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 20 (redacted) |  | 31686934 |  | 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 is less than Guideline PITIA months reserves of [redacted]. UPDATE [redacted] Reserves required of [redacted] months not met. |  |  |  | Reviewer Comment (2024-01-19): Lender Exception with Compensating Factors provided. System cleared after Credit downgrade and waive.<br>Buyer Comment (2024-01-04): UPE approved PTC by [redacted] uploaded to specific exception. | 01/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 21 (redacted) |  | 31687686 |  | 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]% 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 (2024-05-03): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-05-02): Please see PCCD and Pymt history attached showing a cure for $[redacted]which includes $[redacted]due to an increase for a credit report and $[redacted]for an increase in recording fees. |  | 05/03/2024 |  | 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) | 21 (redacted) |  | 31687687 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]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 (2024-05-03): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-05-02): Please see PCCD and Pymt history attached showing a cure for $[redacted]which includes $[redacted] due to an increase for a credit report and $[redacted]for an increase in recording fees. |  | 05/03/2024 |  | 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) | 21 (redacted) |  | 31687688 |  | 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. |  |  |  |  | Reviewer Comment (2024-04-26): Documents received, system cleared.<br>Buyer Comment (2024-04-24): Please see the attached documents showing proof of an appraisal been delivered to our borrower on [redacted] | 04/26/2024 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 21 (redacted) |  | 31687689 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  |  |  |  |  | Reviewer Comment (2024-06-06): Documents received, system cleared.<br>Buyer Comment (2024-06-04): Our Original documents were generated with an incorrect city name. please see the Legal Note and DOT showing corrections on The City Name. | 06/06/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 21 (redacted) |  | 31687690 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | City variation [redacted] reflected on Note vs Treasure Island on flood certificate. |  |  |  | Reviewer Comment (2024-06-06): Documents received, system cleared.<br>Buyer Comment (2024-06-04): Our Original documents were generated with an incorrect city name. please see the Legal Note and DOT showing corrections on The City Name. | 06/06/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 21 (redacted) |  | 31687691 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation city reflects Treasure [redacted]and Note reflects [redacted] |  |  |  | Reviewer Comment (2024-06-06): Documents received, system cleared.<br>Buyer Comment (2024-06-04): Our Original documents were generated with an incorrect city name. please see the Legal Note and DOT showing corrections on The City Name. | 06/06/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 22 (redacted) |  | 31687825 |  | 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. | The Loan Discount Fee increased on [redacted] Loan Estimate and again on the Closing Disclosure issued on [redacted] with no Changed Circumstance or Cure to the Borrower. |  |  |  | Reviewer Comment (2024-04-17): [redacted] received rate lock and conversation log for change.<br>Buyer Comment (2024-04-15): TRID cert reflecting VCOC for initial lock and revised lock uploaded for increased discount points.<br>Reviewer Comment (2024-04-15): [redacted] received valid relock dated [redacted]for loan discount point increase to $[redacted]however fee again increased to $[redacted]on CD dated [redacted]. Please provide valid COC/rate lock for increase to $[redacted]or cure is required. Cure consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-04-12): TRID Cert reflecting VCOC, updated rate lock and proof date of rate lock uploaded. | 04/17/2024 |  |  | 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) | 22 (redacted) |  | 31687826 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] 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 Tolerance Cure for the Credit Report was located on the Final signed and dated Closing Disclosure. |  |  |  | Reviewer Comment (2024-04-15): [redacted] received CD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2024-04-12): PCCD and payment history reflect PR uploaded. |  | 04/15/2024 |  | 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) | 22 (redacted) |  | 31687828 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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 (2024-04-17): Sufficient Cure Provided At Closing |  | 04/17/2024 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 23 (redacted) |  | 31688555 |  | 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. | Rate lock not provided |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Rate lock confirmation uploaded. | 06/29/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688558 |  | 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. |  | Property inspection report required |  |  |  | Reviewer Comment (2024-06-28): Exception cleared - Post Disaster Inspection report received in file.<br>Buyer Comment (2024-06-26): Disaster reinspection uploaded. | 06/28/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688560 |  | 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 [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Borrowers' DTI exceeded allowable. |  |  |  | Buyer Comment (2024-06-26): Approve<br>Reviewer Comment (2024-06-20): Regraded to EV2-B based on sufficient compensating factors. |  |  | 06/26/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688561 |  | 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 ___. | LTV exceeded allowable for a [redacted] score. | 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 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. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688562 |  | 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 ___. | Borrowers' DTI exceeded allowable. | 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 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. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688563 |  | 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. | DTI exceeded allowable for a [redacted] tier score. |  |  |  | Reviewer Comment (2024-06-20): Lender Exception with Compensating Factors provided. System cleared after Credit downgrade and waive. | 06/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688564 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | LTV and DTI exceed allowable. | 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 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. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 23 (redacted) |  | 31688565 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | Unable to determine Homeownership Counseling List was provided due to missing information. | List of Counseling Agencies not provided. |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Disclosure uploaded. | 06/29/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689139 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower only has [redacted] month reserve, while [redacted] months are required. |  |  |  | Reviewer Comment (2024-07-08): Documents received, system cleared. | 07/08/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689140 |  | 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 only has [redacted] month reserve, while [redacted] months are required. | 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>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<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio of [redacted]% or less | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-07-08): Lender Exception with Compensating Factors. |  |  | 07/08/2024 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689141 |  | 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. | File is missing evidence of Borrower receipt for Appraisal report dated [redacted] [redacted] days prior to consummation. |  |  |  | Reviewer Comment (2024-07-17): Report provided.<br>Buyer Comment (2024-07-12): Proof revised clerical appraisal delivered to the borrower. | 07/17/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689142 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | File is missing Preliminary Appraisal report which was delivered to borrower on [redacted] |  |  |  | Reviewer Comment (2024-07-15): Preliminary appraisal received dated [redacted] & associated. Exception cleared.<br>Buyer Comment (2024-07-12): Proof revised clerical appraisal delivered to the borrower. | 07/15/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689144 |  | 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. | Borrower only has [redacted] month reserve, while [redacted] months are required. Guideline is [redacted] FICO, borrower FICO is [redacted], [redacted]FICO points short to be able to use loan proceeds as reserves. |  |  |  | Reviewer Comment (2024-07-08): Documents received, system cleared. | 07/08/2024 |  |  | 1 B A C |  | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 31689145 |  | 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. | Borrower only has [redacted] month reserve, while [redacted] months are required. Guideline is [redacted] FICO, borrower FICO is [redacted], [redacted]FICO points short to be able to use loan proceeds as reserves. |  |  |  | Reviewer Comment (2024-07-08): Documents received, system cleared. | 07/08/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689146 |  | 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.) | Borrower only has [redacted] month reserve, while [redacted] months are required. Guideline is [redacted]FICO, borrower FICO is [redacted], [redacted] FICO points short to be able to use loan proceeds as reserves. |  |  |  | Reviewer Comment (2024-07-08): Documents received, system cleared. | 07/08/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689147 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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 (2024-07-02): Sufficient Cure Provided At Closing |  | 07/02/2024 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 24 (redacted) |  | 31689148 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: |  | Provide Appraisal sent to Borrower on [redacted] |  |  |  | Reviewer Comment (2024-07-15): Preliminary appraisal received dated [redacted] & associated. Exception cleared.<br>Buyer Comment (2024-07-12): Preliminary appraisal uploaded. | 07/15/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689149 |  | 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 [redacted]) to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2024-07-12): Approve |  |  | 07/12/2024 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689150 |  | 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. | Creditor did not provide a copy of each valuation [redacted] to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-07-17): Report provided.<br>Buyer Comment (2024-07-15): Please escalate to [redacted] as clerical appraisal delivered post close is acceptable and can be downgraded and waived to a grade 2.<br>Reviewer Comment (2024-07-15): Received Preliminary appraisal, however required evidence of appraisal delivery report before [redacted] days of the closing. Exception remains.<br>Buyer Comment (2024-07-12): Proof revised clerical appraisal delivered to the borrower. | 07/17/2024 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 24 (redacted) |  | 31689152 |  | 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. |  |  |  |  | Buyer Comment (2024-07-24): Approve |  |  | 07/24/2024 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 31689170 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Loan Amount Exceeds Guidelines (Max Loan Amount allowed is $[redacted], actual Loan Amount $[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.<br>Miscellaneous | Borrower on same job [redacted]+ years.<br>Residual income > $[redacted].<br>Prior homeownership experience with No FC or Short Sale. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-07-11): Lender exception with compensating factors. |  |  | 07/11/2024 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 25 (redacted) |  | 31689171 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide a letter from a CPA or borrower, verifying that the withdrawal of funds for the transaction will not have a negative impact on the business for accounts [redacted] |  |  |  | Reviewer Comment (2024-08-21): CPA letter provided stating will not negatively effect the day to day operations of business.<br>Buyer Comment (2024-08-16): CPA letter uploaded. | 08/21/2024 |  |  | 1 A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 26 (redacted) |  | 31689434 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-08-12): Final title policy is received. Exception cleared. | 08/12/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 26 (redacted) |  | 31689437 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-[redacted]and T-[redacted]Endorsement due to missing information. | Unable to determine whether the loan contains a [redacted] and [redacted] Endorsement due to missing Final Title. |  |  |  | Reviewer Comment (2024-08-12): Final title policy is received. Exception cleared.<br>Buyer Comment (2024-08-09): Final title policy uploaded. | 08/12/2024 |  |  | 1 B A |  | 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) | 27 (redacted) |  | 31714280 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Form W-9 is missing. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Clients approves the down grade of the missing W9 form using [redacted] party business document. We have IRS letter in file doc ID [redacted]. Client approves missing OFAC to be waived down based on receipt of post-closing OFAC search showing no findings. | SitusAMC | Reviewer Comment (2022-03-17): Clients approves the down grade of the missing W9 form using 3rd party business document. We have IRS letter in file doc ID [redacted]. |  |  | 03/17/2022 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 27 (redacted) |  | 31714281 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing for the entity. Guarantor OFAC verified on Background Check. OFAC printout only indicate ALL, need to specifically list entity. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Clients approves the down grade of the missing W9 form using [redacted] party business document. We have IRS letter in file doc ID [redacted]. Client approves missing OFAC to be waived down based on receipt of post-closing OFAC search showing no findings. | SitusAMC | Reviewer Comment (2022-05-17): Client approves missing OFAC to be waived down based on receipt of post-closing OFAC search showing no findings.<br>Seller Comment (2022-05-16): Please find uploaded the Guarantor(s) and Borrowing Entity OFAC Searches |  |  | 05/17/2022 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 27 (redacted) |  | 31714283 |  | 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. |  | Single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. Subject is a vacation rental. | The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by . [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Comp factors: [redacted], low LTV, [redacted]months reserves and [redacted]FICO.<br>Comp factors: [redacted], low LTV, [redacted]months reserves and [redacted]FICO. | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-08-17): Comp factors: [redacted], low LTV, [redacted]months reserves and [redacted]FICO. Client elects to downgrade and waive.<br>Buyer Comment (2022-08-17): Comp factors: [redacted], low LTV, [redacted]months reserves and [redacted]FICO. Please downgrade and waive.<br>Seller Comment (2022-08-05): Discussed with Lender and requested additional documentation if available<br>Seller Comment (2022-07-21): under management review<br>Seller Comment (2022-07-14): under management review<br>Seller Comment (2022-06-16): under review<br>Seller Comment (2022-06-03): under review |  |  | 08/17/2022 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 27 (redacted) |  | 31714284 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  |  |  |  |  | Reviewer Comment (2022-05-11): Received Third Party Rental Agreement for the subject loan which now verifies the property will be third party managed. Rebuttal comments confirm Track Record not in loan file so unable to verify years of experience for the third party management company. Treating as first time investor and applied the [redacted]increase in [redacted]and [redacted]% LTV reduction. Exception cleared.<br>Seller Comment (2022-05-09): Although the Property Management form/track record was not located in the loan file, please find the property management agreement that supports that the property will be managed by a third-party management firm. Further, the background report for the guarantor outlines numerous real estate and deed transfers that support the guarantor has experience in real estate related transactions. The property management agreement is sufficient to meet guideline requirements since the track record is most relevant if the guarantor intended to self-manage the subject property. | 05/11/2022 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 27 (redacted) |  | 31714285 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | per guides, an ineligible property is short-term rentals, No vacation or seasonal rentals allowed. Vacation rental Agreement is in the file to reflect a rental time frame. Appraisal reflects as vacant, and per guides, Single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. | The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by . [redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. | Comp factors: [redacted], low LTV, [redacted]months reserves and [redacted]FICO.<br>Comp factors: [redacted], low LTV, [redacted]months reserves and [redacted]FICO. | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-08-17): Comp factors: [redacted] low LTV, [redacted]months reserves and [redacted] FICO. Client elects to downgrade and waive.<br>Buyer Comment (2022-08-17): Comp factors:[redacted], low LTV, [redacted]months reserves and [redacted]FICO. Please downgrade and waive.<br>Seller Comment (2022-06-06): under review |  |  | 08/17/2022 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 28 (redacted) |  | 31714436 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-08-15): Final title provided. | 08/15/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 28 (redacted) |  | 31714438 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]: Acceptable FNMA 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. (The loan is a [redacted][redacted].) |  |  |  |  | Reviewer Comment (2024-08-15): Documentation provided. System cleared.<br>Reviewer Comment (2024-08-15): Documentation provided.<br>Buyer Comment (2023-05-24): \* | 08/15/2024 |  |  | 1 B A |  | 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 C B A | Non QM | Non QM | No |
| (redacted) | 28 (redacted) |  | 31714439 |  | 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. | Missing Valid Change of Circumstance to justify fee change. |  |  |  | Reviewer Comment (2023-03-22): [redacted] received PCCD, LOE & Payment history.<br>Buyer Comment (2023-03-21): Please see PCCD plus Pymt hist showing PR for $[redacted]<br>Reviewer Comment (2023-03-13): [redacted] received Changed Circumstance dated [redacted]. but it does not give sufficient information on why the Title fees are increased. Also, Title fees are not tied to rate lock. In order to determine if the changed circumstance is valid more additional information is required on how the rate lock impacted the Settlement chargers or a cure is required.<br>Buyer Comment (2023-03-10): Settlement chargers changed due to Bwr Locked the Rate and also the Interest rate changed. Please see Initial LE.<br>Reviewer Comment (2023-03-03): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Title-Settlement Fee & Title-Endorsement Fee increased & Title-Tax Certificate fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-03-02): No Cure Need. Settlement Charges got increased due to Lock rate Update. Please see COC, Proof of deliver and LE dated on [redacted] attached |  | 03/22/2023 |  | 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) | 28 (redacted) |  | 31714440 |  | 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. | Missing Valid Change of Circumstance to justify fee change. |  |  |  | Reviewer Comment (2023-03-13): [redacted] received valid Changed Circumstance with UW's approval on [redacted].<br>Buyer Comment (2023-03-10): Please see UW [redacted] attached. The Rate Lock was updated due to the UW's exception was approved on [redacted].<br>Reviewer Comment (2023-03-03): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the lock was updated & caused the discount points to increase. 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 consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-03-02): No Cure need. Discount Points got increased due to Lock Rate was updated. Please see COC, Proof of Deliver and CD attached. | 03/13/2023 |  |  | 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) | 28 (redacted) |  | 31714441 |  | 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 a clean housing payment history<br>Borrower has verified disposable income of at least $[redacted]. | [redacted]+ Years on job.<br>Prior Homeownership Experience (No FC or Short Sale)<br>Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-06-27): Lender Exception with Compensating Factors provided. |  |  | 06/27/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 28 (redacted) |  | 31714442 |  | 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 (2024-08-22): Received | 08/22/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 29 (redacted) |  | 32960708 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | [redacted] has agreed to waive | [redacted] will rely on Credit Reps and Warrants. |  | Aggregator | Reviewer Comment (2019-09-20): [redacted] has agreed to waive |  |  | 09/20/2019 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960709 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2019-10-01): Cleared based on documents provided.<br>Buyer Comment (2019-09-23): Uploaded | 10/01/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960710 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2019-10-01): Cleared based on documents provided.<br>Buyer Comment (2019-09-23): Not required | 10/01/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960711 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2019-10-01): Cleared based on documents provided.<br>Buyer Comment (2019-09-23): Operating agreement uploaded | 10/01/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960712 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | File does not include proof of a Satisfaction of Judgment for one of the Guarantors. |  |  |  | Reviewer Comment (2019-10-08): Further examination of Closing instructions indicate that the Judgment [redacted] is not yet due or payable - Item #[redacted]references the Judgment due in Item [redacted], which does not appear to be removed from title.<br>Buyer Comment (2019-10-03): Please see the Escrow Instructions pg. [redacted] number [redacted].<br>Reviewer Comment (2019-10-01): No update at this time. | 10/08/2019 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960713 |  | 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 |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960714 |  | 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 (2020-01-22): Received AVM<br>Reviewer Comment (2020-01-08): Client elects to waive as EV3 | 01/22/2020 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 32960716 |  | 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 (FSD is not .2 or less). Loan will require a supporting desk review or better. |  | this is invalid |  |  |  | Reviewer Comment (2025-03-26): Cleared with CDA<br>Reviewer Comment (2025-03-26): reopen<br>Reviewer Comment (2020-01-23): Client elects to waive as EV3/C | 03/26/2025 |  |  | 1 A |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 29 (redacted) |  | 33126495 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go into a securitization and highest level secondary valuation supports the qualifying value. There is a lower level tertiary valuation in file which is invalid or does not support the qualifying value. |  | CDA provided to replace the AVM as secondary valuation |  |  |  | Reviewer Comment (2025-03-26): Waived |  |  | 03/26/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| (redacted) | 30 (redacted) |  | 32961957 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2019-11-13): Received<br>Buyer Comment (2019-11-12): uploaded | 11/13/2019 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 30 (redacted) |  | 32961961 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2019-11-20): Agree, cleared<br>Buyer Comment (2019-11-13): A review of the LTV reflects [redacted]% please clear | 11/20/2019 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 30 (redacted) |  | 32961962 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of ___ is less than Guideline qualifying asset balance of (guidelines_asset_total_qualifying_balance}. |  |  |  |  | Reviewer Comment (2019-11-26): Agree, assets sufficient, cleared<br>Buyer Comment (2019-11-20): You are correct [redacted]% should be used. However the borrower needed a total of $[redacted]. Settlement statement shows the borrower needed $[redacted]and [redacted] months PITIA<br>Reviewer Comment (2019-11-20): Diligence is using [redacted]% of the retirement account as required by guidelines.<br>Buyer Comment (2019-11-13): verified the assets in the amount of $[redacted]please clear | 11/26/2019 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 32 (redacted) |  | 32961975 |  | 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 (2019-11-11): Received<br>Buyer Comment (2019-11-11): The underwriting file contains an appraisal and CDA | 11/11/2019 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 33 (redacted) |  | 32962009 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2019-09-16): Elevated Review with internal counsel verifies not required in this instance<br>Buyer Comment (2019-09-13): Is there an update<br>Reviewer Comment (2019-09-12): Pending review with Legal/Compliance.<br>Buyer Comment (2019-09-11): Please see seller comment - In [redacted], the non-borrowing spousal signature requirement is based on the homestead exemption in the [redacted]Constitution. Since we're only lending on non-homestead transactions, the signature of the non-borrowing spouse is required only if their name appears on title (refinance) or if title will vest in their name (purchase). | 09/16/2019 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 37 (redacted) |  | 32962127 |  | 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 |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 37 (redacted) |  | 32962128 |  | 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 |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 38 (redacted) |  | 32962133 |  | 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) | 38 (redacted) |  | 32962134 |  | 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) | 39 (redacted) |  | 32962139 |  | 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) | 39 (redacted) |  | 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) | 40 (redacted) |  | 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) | 40 (redacted) |  | 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) | 40 (redacted) |  | 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) | 41 (redacted) |  | 32962162 |  | 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 |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 41 (redacted) |  | 32962163 |  | 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 |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 42 (redacted) |  | 32962181 |  | 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 |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 42 (redacted) |  | 32962182 |  | 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 |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 42 (redacted) |  | 32962183 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Leases loan is to go into a securitization and highest level secondary valuation supports the qualifying value. There is a lower level tertiary valuation in file which is invalid or does not support the qualifying value. |  |  |  |  |  | Reviewer Comment (2020-01-03): Waiving as EV2 exception, non-material |  |  | 01/03/2020 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 43 (redacted) |  | 32962197 |  | 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 (2019-09-03): Received CDA | 09/03/2019 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 43 (redacted) |  | 32962198 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to go in a securitization and secondary valuation does not support the appraised value within a [redacted]% tolerance. The lower value was not used to calculate LTV. |  |  |  |  |  | Reviewer Comment (2019-09-03): Received CDA | 09/03/2019 |  |  | 1 A |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 43 (redacted) |  | 32962199 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | [redacted] loan is to go into a securitization and highest level secondary valuation supports the qualifying value. There is a lower level tertiary valuation in file which is invalid or does not support the qualifying value. |  |  |  |  |  | Reviewer Comment (2020-01-03): Waiving as EV2 exception, non-material |  |  | 01/03/2020 | 2 B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 44 (redacted) |  | 32962213 |  | 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 (2019-09-03): Received CDA | 09/03/2019 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 44 (redacted) |  | 32962214 |  | 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 (2019-09-03): Received CDA | 09/03/2019 |  |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 44 (redacted) |  | 32962215 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Leases loan is to go into a securitization and highest level secondary valuation supports the qualifying value. There is a lower level tertiary valuation in file which is invalid or does not support the qualifying value. |  |  |  |  |  | Reviewer Comment (2020-01-03): Waiving as EV2 exception, non-material |  |  | 01/03/2020 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 45 (redacted) |  | 33201101 |  | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. |  | Borrower is a Non-Permanent Resident Alien with a [redacted] Visa 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>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<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale).<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-30): Lender exception with compensating factors. |  |  | 09/30/2024 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 46 (redacted) |  | 33201236 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has 5+ 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) | 47 (redacted) |  | 33201247 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 5+ financed properties with CMS. 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) | 49 (redacted) |  | 33201334 |  | 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 Borrower is a First Time Homebuyer with a [redacted] Score < 1 with an LTV of [redacted]% when a [redacted]% LTV is the maximum. \*\*\*\*UPDATE [redacted]- LTV of [redacted]% exceeds [redacted]% LTV allowed. | 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 (2025-02-28): Exception comments updated due to higher [redacted].<br>Reviewer Comment (2024-12-18): Lender exception with compensating factors. |  |  | 02/28/2025 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 49 (redacted) |  | 33201335 |  | 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 Borrower is a First Time Homebuyer with a [redacted]Score < 1 with an CLTV of [redacted]% when a [redacted]% CLTV is the maximum. \*\*\*\*UPDATE [redacted] - CLTV of [redacted]% exceeds [redacted]% CLTV allowed. | 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 (2024-12-18): Lender exception with compensating factors. |  |  | 12/18/2024 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 49 (redacted) |  | 33201336 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is living rent free and as a First Time Investor. Guidelines require verification of primary housing for a first time investor. | 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 (2024-12-18): Lender exception with compensating factors. |  |  | 12/18/2024 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 49 (redacted) |  | 33201338 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file is missing the initial business purpose certification. |  |  |  | Reviewer Comment (2025-01-24): Cert provided. Cleared.<br>Buyer Comment (2025-01-21): Initial disclosure uploaded.<br>Reviewer Comment (2025-01-21): Per guidelines document is required. Please provide disclosure summary that document was sent to the borrower.<br>Buyer Comment (2025-01-09): Please escalate to [redacted] as this loan is a correspondent loan and there is a notarized and signed final copy in file.<br>Reviewer Comment (2025-01-09): Document still required by Guidelines. Can you prove the esign delivery of the disclosure. That as been clearing it on other files.Please send via email.<br>Buyer Comment (2024-12-20): Please note, initial business purpose disclosure is not required as there is a final disclosure signed and notarized in the initial file. Please escalate to [redacted]. | 01/24/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 49 (redacted) |  | 33201339 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The loan file is missing the deposit of the gift funds into the Borrower's account. |  |  |  | Reviewer Comment (2024-12-26): Initial package had proof of gift funds received document. Exception cleared.<br>Buyer Comment (2024-12-20): Gift check uploaded. Please refer to image [redacted]reflecting proof gift funds recieved. | 12/26/2024 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 52 (redacted) |  | 33201529 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower does not meet tradeline requirements. Guidelines require [redacted] trades rated for [redacted]months or [redacted]for [redacted]months, borrower has [redacted]rated for [redacted]months and [redacted]for [redacted]months} | 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]%. | - Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): CF Update.<br>Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 52 (redacted) |  | 33201530 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | The Borrower is living rent free and is a first time investor which is ineligible per guidelines. | 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]%. | - Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): CF Update.<br>Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 52 (redacted) |  | 33201531 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is living rent free and is a first time investor which is ineligible per guidelines. | 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]%. | - Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): CF Update.<br>Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 52 (redacted) |  | 33201533 |  | 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]. | 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]%. | - Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): CF Update.<br>Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 53 (redacted) |  | 33201535 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | The loan file does not document the Borrower's ownership percentage in the business that funds were used for closing/reserves. |  |  |  | Reviewer Comment (2025-02-07): Received EIN document stating borrower is sole member, Exception cleared.<br>Buyer Comment (2025-02-06): Please see IRS EIN confirming borrower is sole member of LLC uploaded | 02/07/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 55 (redacted) |  | 33201543 |  | 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 that does not have a declared end date. |  |  |  | Reviewer Comment (2025-02-18): PDI report provided and effective date is after disaster declaration date with no damages reported from disaster.<br>Buyer Comment (2025-02-05): Disaster reinspection report uploaded. | 02/18/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 55 (redacted) |  | 33201544 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | File is missing verification of Permanent Resident Alien. |  |  |  | Reviewer Comment (2025-02-04): Received ITIN and passport document. Exception cleared.<br>Buyer Comment (2025-02-03): CPA and ITIN documentation uploaded. | 02/04/2025 |  |  | 1 B A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 56 (redacted) |  | 33201553 |  | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. |  | Lender approved exception for the Borrower's Visa code as [redacted]. The guidelines do not accept a [redacted]. The compensating factors are the FICO Credit score and low default risk with equity. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<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]%. | Excellent Credit Management with FICO [redacted]+<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors provided. |  |  | 02/13/2025 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 56 (redacted) |  | 33201554 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is located on [redacted]acres, the guidelines have a maximum allowance of [redacted]acres. The compensating factors are the FICO Credit score and low default risk with equity. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<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]%. | Excellent Credit Management with FICO [redacted]+<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors provided. |  |  | 02/13/2025 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 57 (redacted) |  | 33201563 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Verification of Rent was supplied by a Private Party. [redacted]months cancelled checks or bank statements must be provided. The loan file contained [redacted] months bank statements to reflect rents paid. |  |  |  | Reviewer Comment (2025-03-05): Exception cleared, VOR meets guidelines.<br>Buyer Comment (2025-03-03): This is only required when the landlord is an interested party, not a private party, because the borrower is making rental payments. <br> Guidelines specify [redacted] months of cancelled checks/bank statements would also be required if the borrower was making MORTGAGE payments to an individual or interested party. <br> The borrower's landlord has no interest in the subject transaction and therefore the checks are not required. | 03/05/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 58 (redacted) |  | 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) | 58 (redacted) |  | 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) | 58 (redacted) |  | 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) | 59 (redacted) |  | 33201975 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Buyer Comment (2024-09-10): Approve |  |  | 09/10/2024 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201978 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender Credits 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 (2024-08-27): Sufficient Cure Provided At Closing |  | 08/27/2024 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | Yes |
| (redacted) | 59 (redacted) |  | 33201979 |  | 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. | Transfer Tax 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 (2024-08-27): Sufficient Cure Provided At Closing |  | 08/27/2024 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 59 (redacted) |  | 33201980 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is non warrantable condo which is ineligible per 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 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. | Reserves exceed guideline minimum by at least [redacted]months.<br>LTV is < the guideline maximum by at least [redacted]%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201981 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | IRS Repayment Plan reflected in file with one payment made to the IRS and guidelines require a minimum of [redacted] payments. | 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 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. | Reserves exceed guideline minimum by at least [redacted]months.<br>LTV is < the guideline maximum by at least [redacted]%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201982 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file reflects a pay off of a Note past the maturity date. Guidelines require all mortgages to be current at time of closing. | 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 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. | Reserves exceed guideline minimum by at least [redacted]months.<br>LTV is < the guideline maximum by at least [redacted]%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201983 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Judgment shown on Title. Per Guidelines, Judgments and tax liens must be paid off prior to or at closing, unless there is a repayment plan where a minimum of [redacted] months has elapsed on the plan and evidence of timely payments is provided. There is no repayment plan in the file for this judgment. |  |  |  | Reviewer Comment (2024-09-11): Exception cleared - Received IRS repayment plan and updated [redacted].<br>Buyer Comment (2024-09-10): IRS repayment plan uploaded. | 09/11/2024 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201984 |  | 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 (wage income). Updated [redacted]: self employment verification required as well. VVOE did not state with whom the verification was made. Data was entered in the Wages section and not the Self Employed section. There is no SOS, Licensing, or CPA verification. Please provide verification of XXXX within [redacted] days of Note date. | 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 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. | Reserves exceed guideline minimum by at least [redacted]months.<br>LTV is < the guideline maximum by at least [redacted]%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-11-22): Lender exception with compensating factors.<br>Buyer Comment (2024-11-21): Updated uw exception approval uploaded.<br>Reviewer Comment (2024-11-11): Received VVOE for self employment. Missing VVOE for wage income, Caregiver within [redacted]business days of the Note date. .<br>Buyer Comment (2024-11-01): Please note, [redacted] approval initially uploaded reflecting exception for WVOE [redacted] business days over [redacted] business day requirement. Borrower is a caregiver and the WVOE is completed by [redacted] who is not the employer but is the Fiscal Intermediary for the employer and provide payroll services.<br>Reviewer Comment (2024-10-28): Exception Remain - Required Verbal Verification of Employment for Employer [redacted] for borrower [redacted] within [redacted] days of note date.<br>Buyer Comment (2024-10-25): VVOE reflecting active and meets guideline requirements.<br>Reviewer Comment (2024-10-25): Provided VVOE is not have sufficient information. - Exception Remains.<br>Buyer Comment (2024-10-23): VVOE uploaded.<br>Reviewer Comment (2024-10-23): Exception Remains - The received VVOE doc ID [redacted]the self employment verification details has been updated in the wage income section and not in the Self-employment section. Required VVOE for self-employment mentioned in the self employment section of the VVOE or can provide the CPA letter within [redacted] business days of note date.<br>Buyer Comment (2024-10-21): UW Exception approval for verification of care giver income over [redacted] business days, VVOE by processor verifying beauty salon income within [redacted] business days uploaded.<br>Reviewer Comment (2024-09-11): Evidence that borrower is still actively participating in Care Giving Activities required within [redacted]days of closing/reverification of WVOE.<br>Buyer Comment (2024-09-10): Please see LOE from GT Independence. There is no VVOE required as borrower is a caregiver. |  |  | 11/22/2024 | 2 C B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201985 |  | 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. | Verification(s) of employment is not within [redacted] business days of the Note (wage income). Updated [redacted] : self employment verification required as well. VVOE did not state with whom the verification was made. Data was entered in the Wages section and not the Self Employed section. There is no SOS, Licensing, or CPA verification. Please provide verification of XXXX within [redacted] days of Note date. |  |  |  | Reviewer Comment (2024-11-22): Non QM<br>Buyer Comment (2024-11-21): Updated uw exception approval uploaded.<br>Reviewer Comment (2024-11-14): Loan is ATR Risk.<br>Reviewer Comment (2024-10-24): Documentation received, exception cleared.<br>Buyer Comment (2024-10-23): VVOE uploaded.<br>Reviewer Comment (2024-10-23): Exception Remains - The received VVOE doc ID [redacted] the self employment verification details has been updated in the wage income section and not in the Self-employment section. Required VVOE for self-employment mentioned in the self employment section of the VVOE or can provide the CPA letter within [redacted] business days of note date.<br>Buyer Comment (2024-10-21): UW Exception approval for verification of care giver income over [redacted] business days, VVOE by processor verifying beauty salon income within [redacted] business days uploaded.<br>Reviewer Comment (2024-09-11): Evidence that borrower is still actively participating in Care Giving Activities required within [redacted] days of closing/reverification of WVOE.<br>Buyer Comment (2024-09-10): Please see LOE from [redacted]. There is no VVOE required as borrower is a caregiver. | 11/22/2024 |  |  | 1 B A C |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 59 (redacted) |  | 33201986 |  | 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.) | Verification(s) of employment is not within [redacted] business days of the Note (wage income). Updated [redacted]: self employment verification required as well. VVOE did not state with whom the verification was made. Data was entered in the Wages section and not the Self Employed section. There is no SOS, Licensing, or CPA verification. Please provide verification of XXXX within [redacted] days of Note date. |  |  |  | Reviewer Comment (2024-11-22): Non QM<br>Buyer Comment (2024-11-21): Updated uw exception approval uploaded.<br>Reviewer Comment (2024-11-15): Cleared in error.<br>Reviewer Comment (2024-10-24): Documentation received, exception cleared.<br>Buyer Comment (2024-10-23): VVOE uploaded.<br>Reviewer Comment (2024-10-23): Exception Remains - The received VVOE doc ID [redacted] the self employment verification details has been updated in the wage income section and not in the Self-employment section. Required VVOE for self-employment mentioned in the self employment section of the VVOE or can provide the CPA letter within [redacted] business days of note date.<br>Buyer Comment (2024-10-21): UW Exception approval for verification of care giver income over [redacted] business days, VVOE by processor verifying beauty salon income within [redacted] business days uploaded.<br>Reviewer Comment (2024-09-11): Evidence that borrower is still actively participating in Care Giving Activities required within [redacted] days of closing/reverification of WVOE.<br>Buyer Comment (2024-09-10): Please see LOE from [redacted]. There is no VVOE required as borrower is a caregiver. | 11/22/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201987 |  | 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. | Verification(s) of employment is not within [redacted] business days of the Note (wage income). |  |  |  | Reviewer Comment (2024-11-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2024-11-21): Updated uw exception approval uploaded.<br>Reviewer Comment (2024-11-15): Cleared in error.<br>Reviewer Comment (2024-10-24): Documentation received, exception cleared.<br>Buyer Comment (2024-10-23): VVOE uploaded.<br>Reviewer Comment (2024-10-23): Exception Remains - The received VVOE doc ID [redacted] the self employment verification details has been updated in the wage income section and not in the Self-employment section. Required VVOE for self-employment mentioned in the self employment section of the VVOE or can provide the CPA letter within [redacted] business days of note date.<br>Buyer Comment (2024-10-21): UW Exception approval for verification of care giver income over [redacted] business days, VVOE by processor verifying beauty salon income within [redacted] business days uploaded.<br>Reviewer Comment (2024-09-11): Evidence that borrower is still actively participating in Care Giving Activities required within [redacted] days of closing/reverification of WVOE.<br>Buyer Comment (2024-09-10): Please see LOE from [redacted]. There is no VVOE required as borrower is a caregiver. | 11/22/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201988 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification(s) of employment is not within [redacted] business days of the Note (wage income). Updated [redacted] : self employment verification required as well. VVOE did not state with whom the verification was made. Data was entered in the Wages section and not the Self Employed section. There is no SOS, Licensing, or CPA verification. Please provide verification of XXXX within [redacted] days of Note date. | 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 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. | Reserves exceed guideline minimum by at least [redacted]months.<br>LTV is < the guideline maximum by at least [redacted]%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-11-22): Lender exception with compensating factors.<br>Reviewer Comment (2024-11-21): ..<br>Reviewer Comment (2024-10-24): Documentation received, exception cleared.<br>Buyer Comment (2024-10-23): VVOE uploaded.<br>Reviewer Comment (2024-10-23): Exception Remains - The received VVOE doc ID [redacted] the self employment verification details has been updated in the wage income section and not in the Self-employment section. Required VVOE for self-employment mentioned in the self employment section of the VVOE or can provide the CPA letter within [redacted] business days of note date.<br>Buyer Comment (2024-10-21): UW Exception approval for verification of care giver income over [redacted] business days, VVOE by processor verifying beauty salon income within [redacted] business days uploaded.<br>Reviewer Comment (2024-09-11): Evidence that borrower is still actively participating in Care Giving Activities required within [redacted] days of closing/reverification of WVOE. CPA letter dated from [redacted]. Updated : self employment verification required as well. VVOE did not state with whom the verification was made. Data was entered in the Wages section and not the Self Employed section. There is no SOS, Licensing, or CPA verification. Please provide verification of [redacted] within [redacted]days of Note date.<br>Buyer Comment (2024-09-10): Please see LOE from [redacted]. There is no VVOE required as borrower is a caregiver. |  |  | 11/22/2024 | 2 C B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 59 (redacted) |  | 33201989 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Updated [redacted]: self employment verification required as well. VVOE did not state with whom the verification was made. Data was entered in the Wages section and not the Self Employed section. There is no SOS, Licensing, or CPA verification. Please provide verification of XXXX within [redacted] days of Note date. | 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 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. | Reserves exceed guideline minimum by at least [redacted]months.<br>LTV is < the guideline maximum by at least [redacted]%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-11-22): Lender exception with compensating factors.<br>Reviewer Comment (2024-11-21): ..<br>Reviewer Comment (2024-10-24): Documentation received, exception cleared.<br>Buyer Comment (2024-10-23): VVOE uploaded.<br>Reviewer Comment (2024-10-23): Exception Remains - The received VVOE doc ID [redacted] the self employment verification details has been updated in the wage income section and not in the Self-employment section. Required VVOE for self-employment mentioned in the self employment section of the VVOE or can provide the CPA letter within [redacted] business days of note date.<br>Buyer Comment (2024-10-21): UW Exception approval for verification of care giver income over [redacted] business days, VVOE by processor verifying beauty salon income within [redacted] business days uploaded. |  |  | 11/22/2024 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202007 |  | 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 in a FEMA disaster area. Provide a satisfactory 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]([redacted]) Declared Disaster End Date. |  |  |  | Reviewer Comment (2024-09-13): Post Disaster Inspection document received and verified. Exception Cleared.<br>Buyer Comment (2024-09-11): Disaster reinspection uploaded. | 09/13/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202009 |  | 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's do not meet the required residual income (Required Residual $[redacted], actual residual $[redacted]). | Borrower has worked in the same position for more than [redacted]years.<br>Miscellaneous<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]%. | Prior homeownership experience (No FC or short sale).<br>Excellent credit management with FICO [redacted]+<br>Lender Exception with Compensating Factors. | SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-04): CF Update.<br>Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-11): UPE approved by [redacted] uploaded.<br>Reviewer Comment (2024-09-05): Please provide valid compensating factors for consideration of downgrading/waiving exception. |  |  | 09/19/2024 | 2 C B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202010 |  | 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 ([redacted]) to applicant [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2024-09-11): Approve |  |  | 09/11/2024 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202013 |  | 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. | Borrower's do not meet the required residual income (Required Residual $[redacted], actual residual $[redacted]). The loan file is missing a YTD P&L for the Borrower. The Borrower do not meet the minimum tradeline requirements as required by guidelines ([redacted] tradelines reporting for [redacted]months or two for [redacted]+ months).. |  |  |  | Reviewer Comment (2024-10-15): Exception cleared - The YTD P&L received in file and updated the [redacted] as required and The minimum tradeline requirement has been met.<br>Buyer Comment (2024-10-11): P&L uploaded and minimum tradeline requirement met. | 10/15/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 60 (redacted) |  | 33202014 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Borrower's do not meet the required residual income (Required Residual $[redacted], actual residual $[redacted]). | Borrower has worked in the same position for more than [redacted]years.<br>Miscellaneous<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]%. | Prior homeownership experience (No FC or short sale).<br>Excellent credit management with FICO [redacted]+<br>Lender Exception with Compensating Factors. | SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-04): CF Update.<br>Reviewer Comment (2024-09-19): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-11): UPE approved PTC by [redacted] uploaded.<br>Reviewer Comment (2024-09-05): Please provide valid compensating factors for consideration of downgrading/waiving exception. |  |  | 09/19/2024 | 2 C B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202015 |  | 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.) | Borrower's do not meet the required residual income (Required Residual $[redacted], actual residual $[redacted]). The loan file is missing a YTD P&L for the Borrower. The Borrower do not meet the minimum tradeline requirements as required by guidelines ([redacted]tradelines reporting for [redacted]months or two for [redacted]+ months).. |  |  |  | Reviewer Comment (2024-10-15): Exception cleared - The YTD P&L received in file and updated the [redacted] as required and The minimum tradeline requirement has been met.<br>Buyer Comment (2024-10-11): P&L uploaded and minimum tradeline requirement met. | 10/15/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202016 |  | 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. | Borrower's do not meet the required residual income (Required Residual $[redacted], actual residual $[redacted]). The loan file is missing a YTD P&L for the Borrower. The Borrower do not meet the minimum tradeline requirements as required by guidelines ([redacted]tradelines reporting for [redacted]months or two for [redacted]+ months).. |  |  |  | Reviewer Comment (2024-10-15): Exception cleared - The YTD P&L received in file and updated the [redacted] as required and The minimum tradeline requirement has been met.<br>Buyer Comment (2024-10-11): P&L uploaded and minimum tradeline requirement met. | 10/15/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202017 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The loan file is missing a YTD P&L statement as required by guidelines. |  |  |  | Reviewer Comment (2024-10-15): Exception cleared - The YTD P&L received in file and updated the [redacted] as required.<br>Buyer Comment (2024-10-11): P&L uploaded. | 10/15/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202018 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Borrower do not meet the minimum tradeline requirements as required by guidelines (3 tradelines reporting for [redacted] months or two for [redacted]+ months).. |  |  |  | Reviewer Comment (2024-10-15): Exception cleared - The minimum tradeline requirement has been met.<br>Buyer Comment (2024-10-11): Tradeline requirement met. | 10/15/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 60 (redacted) |  | 33202019 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | The Borrower do not meet the minimum tradeline requirements as required by guidelines ([redacted]tradelines reporting for [redacted]months or two for [redacted]+ months).. |  |  |  | Reviewer Comment (2024-09-13): Exception cleared - The minimum tradeline requirement has been met.<br>Buyer Comment (2024-09-11): Credit report supplement reflecting [redacted] additional tradelines, guidelines met. | 09/13/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 61 (redacted) |  | 33202308 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement was not located within the loan file. |  |  |  | Reviewer Comment (2024-11-04): Exception cleared - E-sign Consent Agreement received.<br>Buyer Comment (2024-11-01): Please see E-Sign agreement attached. | 11/04/2024 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 61 (redacted) |  | 33202310 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The verification of the Non-US Citizens status not provided. |  |  |  | Reviewer Comment (2024-10-22): ITIN doc and passport received, exception cleared.<br>Buyer Comment (2024-10-21): Please see attached documents showing passport and application for ITN # | 10/22/2024 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 61 (redacted) |  | 33202311 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: [redacted] <br> Disaster End Date: [redacted]<br> Disaster Name: SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES<br> Disaster Declaration Date: [redacted] |  |  |  | Reviewer Comment (2024-12-12): PDI provided.<br>Reviewer Comment (2024-12-12): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [redacted] <br> Disaster End Date:[redacted]<br> Disaster Name: SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES<br> Disaster Declaration Date: [redacted]<br>Buyer Comment (2024-12-04): Please see Re-inspection report attached.<br>Buyer Comment (2024-12-03): Disaster reinspection report uploaded. | 12/12/2024 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 62 (redacted) |  | 33202325 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower is a Non-Permanent Resident as Guidelines do not allow Non-Permanent Residence Category [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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [redacted] or less | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-10-16): Lender Exception with Compensating Factors provided. |  |  | 10/16/2024 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 62 (redacted) |  | 33202326 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-11-13): Post disaster inspection received and updated .Exception cleared<br>Buyer Comment (2024-11-12): Please see re-inspection report attached. | 11/13/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 62 (redacted) |  | 33202327 |  | 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 (2024-10-16): Sufficient Cure Provided At Closing |  | 10/16/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 63 (redacted) |  | 33202508 |  | 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]% tolerance was exceeded by $[redacted]due to Credit Report Re-Issue Fee. No valid COC provided |  |  |  | Reviewer Comment (2024-11-26): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-11-25): Please see image [redacted], PCCD reflecting PR and image [redacted]payment history reflect PR applied. |  | 11/26/2024 |  | 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) | 63 (redacted) |  | 33202509 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is a Non-Permanent Alien with a residence category of [redacted]that is not allowed per 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>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Residual income >$[redacted].<br>Borrower's own funds used for down payment & closing (No gifts for dpa) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-11-20): Lender exception with compensating factors. |  |  | 11/20/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 63 (redacted) |  | 33202510 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Borrower's Business has not been in existence for two years as required per the 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>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Residual income >$[redacted].<br>Borrower's own funds used for down payment & closing (No gifts for dpa) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-11-20): Lender exception with compensating factors. |  |  | 11/20/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 63 (redacted) |  | 33202512 |  | 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's Business has not been in existence for [redacted]years as required per the Guidelines. |  |  |  | Reviewer Comment (2024-11-20): Lender exception with compensating factors, system cleared. | 11/20/2024 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 63 (redacted) |  | 33202513 |  | 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's Business has not been in existence for [redacted]years as required per the Guidelines. |  |  |  | Reviewer Comment (2024-11-20): Lender exception with compensating factors, system cleared. | 11/20/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 63 (redacted) |  | 33202514 |  | 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's Business has not been in existence for [redacted]years as required per the Guidelines. |  |  |  | Reviewer Comment (2024-11-20): Lender exception with compensating factors, system cleared. | 11/20/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 63 (redacted) |  | 33202515 |  | 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 (2024-11-26): Sufficient Cure Provided within [redacted] Days of Closing |  | 11/26/2024 |  | 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) | 64 (redacted) |  | 33202601 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The Secondary Valuation is missing from the loan file for securitization. |  |  |  | Reviewer Comment (2024-12-13): Exception cleared - Fannie Mae [redacted] received and updated in [redacted].<br>Buyer Comment (2024-12-12): Appraisal Review CU uploaded. | 12/13/2024 |  |  | 1 D A |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202602 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is not provided. |  |  |  | Reviewer Comment (2024-12-13): ITIN updated, Exception cleared.<br>Buyer Comment (2024-12-12): ITIN documentation and government ID uploaded. | 12/13/2024 |  |  | 1 C A |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202603 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The tax amount verification was not located within the loan file for the REO properties. |  |  |  | Reviewer Comment (2025-01-21): Exception updated.<br>Buyer Comment (2025-01-06): Documentation reflecting property is industrial/commercial uploaded.<br>Reviewer Comment (2024-12-23): Exception Remains - The Property [redacted] is used for service garage and packing for their company trucks, not able to find the evidence property is commercial property. Provide the insurance document or Letter stating the property is commercial property.<br>Buyer Comment (2024-12-19): Documentation requested is not required as property is commercial property.<br>Reviewer Comment (2024-12-19): Missing Insurance Verification for REO#[redacted] - Exception remains<br>Buyer Comment (2024-12-17): Property profile uploaded reflecting property is commercial.<br>Reviewer Comment (2024-12-13): Please provide Tax and Insurance verification document for [redacted], Exception remains.<br>Buyer Comment (2024-12-12): REO documents uploaded. | 01/21/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202607 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrowers' business has not been in existence for the required two years. Guidelines require a two year history on all businesses used in qualification. | 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.<br>Miscellaneous | Residual income > $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA)<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-06): Lender exception with compensating factors. |  |  | 12/06/2024 | 2 B |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202608 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Borrowers' business has not been in existence for the required two years. Guidelines require a two year history on all businesses used in qualification. The CPA letter in file does not confirm the Borrower has been self employed for two 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'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>Miscellaneous | Residual income > $[redacted].<br>Substantial cash reserves.<br>Borrower's own funds used for down payment & closing (No gifts or DPA)<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Buyer Comment (2024-12-12): Approve |  |  | 12/12/2024 | 2 B |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202609 |  | 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 Borrowers' business has not been in existence for the required two years. Guidelines require a two year history on all businesses used in qualification. The CPA letter in file does not confirm the Borrower has been self employed for [redacted] years as required by guidelines. The loan file does not document the tax amounts for the REO properties listed on the borrowers' application. |  |  |  | Reviewer Comment (2025-01-27): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-21): Please note, a UPE approved PTC for business less than [redacted] years was uploaded and cleared. Please refer to loan exception ID [redacted].<br>Reviewer Comment (2025-01-21): The CPA letter in file does not confirm the Borrower has been self employed for two years as required by guidelines still outstanding.<br>Buyer Comment (2025-01-06): Documentation reflecting property is industrial/commercial uploaded.<br>Reviewer Comment (2024-12-23): Exception Remains - The Property [redacted] is used for service garage and packing for their company trucks, not able to find the evidence property is commercial property. Provide the insurance document or Letter stating the property is commercial property.<br>Buyer Comment (2024-12-19): REO documentation requested is not required as property is commercial property.<br>Buyer Comment (2024-12-12): All documentation uploaded to specific exceptions. | 01/27/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202610 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Borrower's Non-Permeant Resident identification is missing from the loan file. |  |  |  | Reviewer Comment (2024-12-13): ITIN updated, Exception cleared.<br>Buyer Comment (2024-12-12): All documentation uploaded to specific exceptions. | 12/13/2024 |  |  | 1 C A |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202611 |  | 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 Borrowers' business has not been in existence for the required two years. Guidelines require a two year history on all businesses used in qualification. The CPA letter in file does not confirm the Borrower has been self employed for two years as required by guidelines. The loan file does not document the tax amounts for the REO properties listed on the borrowers' application. |  |  |  | Reviewer Comment (2025-01-27): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-21): Please note, a UPE approved PTC for business less than [redacted] years was uploaded and cleared. Please refer to loan exception ID [redacted].<br>Reviewer Comment (2025-01-21): The CPA letter in file does not confirm the Borrower has been self employed for [redacted] years as required by guidelines still outstanding.<br>Buyer Comment (2025-01-06): Documentation reflecting property is industrial/commercial uploaded.<br>Reviewer Comment (2024-12-23): Exception Remains - The Property [redacted]is used for service garage and packing for their company trucks, not able to find the evidence property is commercial property. Provide the insurance document or Letter stating the property is commercial property.<br>Buyer Comment (2024-12-19): REO documentation requested is not required as property is commercial property.<br>Buyer Comment (2024-12-12): All documentation uploaded to specific exceptions. | 01/27/2025 |  |  | 1 C A |  | CO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 64 (redacted) |  | 33202612 |  | 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 Borrowers' business has not been in existence for the required two years. Guidelines require a two year history on all businesses used in qualification. The CPA letter in file does not confirm the Borrower has been self employed for two years as required by guidelines. The loan file does not document the tax amounts for the REO properties listed on the borrowers' application. |  |  |  | Reviewer Comment (2025-01-27): System cleared after Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-21): Please note, a UPE approved PTC for business less than [redacted] years was uploaded and cleared. Please refer to loan exception ID [redacted].<br>Reviewer Comment (2025-01-21): The CPA letter in file does not confirm the Borrower has been self employed for [redacted] years as required by guidelines still outstanding.<br>Buyer Comment (2025-01-06): Documentation reflecting property is industrial/commercial uploaded.<br>Reviewer Comment (2024-12-23): Exception Remains - The Property [redacted] is used for service garage and packing for their company trucks, not able to find the evidence property is commercial property. Provide the insurance document or Letter stating the property is commercial property.<br>Buyer Comment (2024-12-19): REO documentation requested is not required as property is commercial property.<br>Buyer Comment (2024-12-12): All documentation uploaded to specific exceptions. | 01/27/2025 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 65 (redacted) |  | 33202640 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive Overdrafts (Guidelines allow for [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]%. | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Lender Exception with Compensating Factors. |  |  | 12/04/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| (redacted) | 65 (redacted) |  | 33202645 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Excessive Overdrafts (Guidelines allow for [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]%. | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-04): Lender Exception with Compensating Factors. |  |  | 12/04/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203062 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | A Secondary valuation is missing for securitization. |  |  |  | Reviewer Comment (2025-01-30): Exception Cleared - Received [redacted]report with risk score [redacted], associated the same and data updated as per provided documents.<br>Buyer Comment (2025-01-28): Secondary valuation uploaded. | 01/30/2025 |  |  | 1 D A |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203065 |  | 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 Initial Loan Estimate reflects [redacted]% Fees charged as $[redacted]. The Fees were increased on [redacted] to $[redacted]. However, the loan file does not contain evidence of a Changed Circumstance on this day for the fee increase. the CD does not contain a tolerance cure. |  |  |  | Reviewer Comment (2025-02-07): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded.<br>Reviewer Comment (2025-01-30): [redacted] received PCCD, LOE and rebuttal, please provide cure documents for [redacted]. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-01-28): PCCD reflecting Title - Notary fee in section C and is held to no tolerance. Cure required of [redacted] for increased [redacted] fees is being processed. |  | 02/07/2025 |  | 2 C B |  | HI | 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) | 66 (redacted) |  | 33203066 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is classified as a Non-Warrantable Condo. The Guidelines require a Project Approval on all Condos. | 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.<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [redacted]+<br>Qualifying Ratios of[redacted] or less.<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203067 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property has calculated square footage of [redacted]. The Guidelines require a minimum of [redacted]square feet. | 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.<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [redacted]+<br>Qualifying Ratios of[redacted] or less.<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203068 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower does not meet the reserve requirement of [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.<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [redacted]+<br>Qualifying Ratios of[redacted] or less.<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203069 |  | 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 meet the reserve requirement of [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.<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [redacted]+<br>Qualifying Ratios of[redacted] or less.<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203070 |  | 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 does not meet the reserve requirement of [redacted]months. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. | 01/22/2025 |  |  | 1 B A C |  | HI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 66 (redacted) |  | 33203071 |  | 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 does not meet the reserve requirement of [redacted]months. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. | 01/22/2025 |  |  | 1 C A |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203072 |  | 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 does not meet the reserve requirement of [redacted]months. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. | 01/22/2025 |  |  | 1 C A |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The required Living Rent Free Letter is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-30): Lease agreement is provided stating borrower can live on property provided he is doing some work. Exception is cleared.<br>Buyer Comment (2025-01-29): Lease agreement uploaded stating borrower is allowed to live rent free in exchange for work on the property. | 01/30/2025 |  |  | 1 C A D |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 66 (redacted) |  | 33203074 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Borrower does not meet the reserve requirement of 6 months. The subject property is classified as a Non-Warrantable Condo. The Guidelines require a Project Approval on all Condos. | 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.<br>Miscellaneous<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]%. | Lender Exception with Compensating Factors provided.<br>Excellent Credit Management with FICO [redacted]+<br>Qualifying Ratios of[redacted] or less.<br>Lender Exception with Compensating Factors provided. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | HI | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203138 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third party verification document does not have a document date to verify the [redacted] business day requirement. |  |  |  | Reviewer Comment (2025-02-07): Exception cleared - Received Business Entity received [redacted] business day of the note and updated [redacted].<br>Buyer Comment (2025-02-05): Please see top of page uploaded supporting date verification was pulled from internet site within [redacted] days of closing | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203140 |  | 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. | Proof of appraisal delivery is missing |  |  |  | Buyer Comment (2025-02-10): accept grade [redacted] condition |  |  | 02/10/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203141 |  | 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. | Third party verification document does not have a document date to verify the [redacted] business day requirement. |  |  |  | Reviewer Comment (2025-02-07): Exception cleared - Received Business Entity received [redacted] business day of the note and updated [redacted].<br>Buyer Comment (2025-02-05): Please see top of page uploaded supporting date verification was pulled from internet site within [redacted] days of closing | 02/07/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 67 (redacted) |  | 33203144 |  | 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.) | Third party verification document does not have a document date to verify the [redacted] business day requirement. |  |  |  | Reviewer Comment (2025-02-07): Exception cleared - Received Business Entity received [redacted] business day of the note and updated [redacted].<br>Buyer Comment (2025-02-05): Please see top of page uploaded supporting date verification was pulled from internet site within [redacted] days of closing | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203146 |  | 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 Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal 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. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-27): Sufficient Cure Provided At Closing |  | 01/27/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 67 (redacted) |  | 33203147 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification document does not have a document date to verify the [redacted] business day requirement. |  |  |  | Reviewer Comment (2025-02-07): Exception cleared - Received Business Entity received [redacted] business day of the note and updated [redacted].<br>Buyer Comment (2025-02-05): Please see top of page uploaded supporting date verification was pulled from internet site within [redacted] days of closing | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203148 |  | 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. | Third party verification document does not have a document date to verify the [redacted] business day requirement. |  |  |  | Reviewer Comment (2025-02-07): Exception cleared - Received Business Entity received [redacted] business day of the note and updated [redacted].<br>Buyer Comment (2025-02-05): Please see top of page uploaded supporting date verification was pulled from internet site | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203149 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Employment authorization reflects category [redacted] for co-borrower which is not eligible per 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>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 > $[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]+.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203150 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  |  |  |  |  | Reviewer Comment (2025-02-07): The ITIN document received and associated in [redacted].<br>Buyer Comment (2025-02-05): ITIN documentation uploaded | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203151 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Documentation requirements not met for Non-Permanent resident alien. | 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>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 > $[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]+.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203152 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Documentation requirements not met for Non-Permanent resident alien. |  |  |  | Reviewer Comment (2025-02-07): The ITIN document received and associated in [redacted].<br>Buyer Comment (2025-02-05): ITIN documentation uploaded | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 67 (redacted) |  | 33203153 |  | 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 (2025-02-10): accept grade [redacted] condition |  |  | 02/10/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 68 (redacted) |  | 33203222 |  | 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 is short for reserves. Assets available for reserves is [redacted] months PITIA, less than Guideline PITIA months reserves 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>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | [redacted]+ years on job. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): Lender Exception provided.<br>Reviewer Comment (2025-03-04): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-25): This was approved by [redacted] who is not beholden to the exception guidelines requiring specific compensating factors.<br>Reviewer Comment (2025-02-21): The compensating factors do not reflect a compensating factor from category A. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-14): Correction - this was approved as an exception prior to closing.<br>Buyer Comment (2025-02-14): [redacted] is excluding the remaining balance in CD account ending [redacted]. Attached additional docs to support, borrower meets reserves when the remaining balance is included in reserves. |  |  | 03/10/2025 | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 68 (redacted) |  | 33203224 |  | 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 does not document [redacted] months in reserves as required by guidelines. |  |  |  | Reviewer Comment (2025-03-10): Lender Exception provided.<br>Reviewer Comment (2025-03-04): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-25): This was approved by [redacted] who is not beholden to the exception guidelines requiring specific compensating factors.<br>Reviewer Comment (2025-02-21): The compensating factors do not reflect a compensating factor from category A. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-14): Attached to finding [redacted]. | 03/10/2025 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 68 (redacted) |  | 33203225 |  | 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. | The Loan Discount Points increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-20): [redacted] received rebuttal comment and as per rate lock.<br>Buyer Comment (2025-02-19): The COC provided is for the [redacted] discount points; again, the interest rate and monthly payment decreased along with the increase in discount points. Subsequently the discount points decreased but that would not require cure. The documented baseline should be updated to $[redacted].<br>Reviewer Comment (2025-02-17): [redacted] received rebuttal. However, we would require a valid COC for the fee increased on LE dated [redacted].Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-02-14): This was an increase in bona fide discount points, see attached disclosures. The interest rate decreased, as did the monthly payment. Subsequently, the discount points decreased but this does not require cure. | 02/20/2025 |  |  | 1 C A |  | CT | 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) | 68 (redacted) |  | 33203226 |  | 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 Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | The Extension Fee increased to[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-20): [redacted] received rebuttal comment and as per rate lock.<br>Buyer Comment (2025-02-19): The COC is what was provided with the prior comment. The lock extension fee was added; extension of the rate lock was the valid change of circumstance.<br>Reviewer Comment (2025-02-17): [redacted] received rebuttal. However, we would require a valid COC for the fee added on LE dated [redacted].Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-02-14): Lock extension fee was added [redacted] and disclosed the same day. This is a valid change of circumstance. | 02/20/2025 |  |  | 1 C A |  | CT | 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) | 68 (redacted) |  | 33203227 |  | 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 Fee increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-17): 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 (2025-02-14): This was cured at closing, see consummation CD page [redacted] section J. | 02/17/2025 |  |  | 1 C A |  | CT | 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) | 68 (redacted) |  | 33203229 |  | 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 does not document [redacted] months in reserves as required by guidelines. |  |  |  | Reviewer Comment (2025-03-10): Lender Exception provided.<br>Reviewer Comment (2025-03-04): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-25): This was approved by [redacted] who is not beholden to the exception guidelines requiring specific compensating factors.<br>Reviewer Comment (2025-02-21): The compensating factors do not reflect a compensating factor from category [redacted]. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-14): Attached to finding [redacted]. | 03/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 68 (redacted) |  | 33203231 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Verification of Rent provided in file does not show history in the past [redacted] months, tenant rented from [redacted] but 'No of late payments past due [redacted] in the last [redacted] months' was blank. |  |  |  | Reviewer Comment (2025-02-17): Complete copy of verification rent received and updated. Exception cleared<br>Buyer Comment (2025-02-14): Complete copy attached. | 02/17/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 68 (redacted) |  | 33203232 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's employment authorization reflects category [redacted] which is no eligible per 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>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | [redacted]+ years on job. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-10): Lender exception provided.<br>Reviewer Comment (2025-03-04): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-25): This was approved by [redacted]who is not beholden to the exception guidelines requiring specific compensating factors.<br>Reviewer Comment (2025-02-21): The compensating factors do not reflect a compensating factor from category [redacted]. Please provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-02-14): Reprinted Approval showing the exception commentary approved [redacted]. |  |  | 03/10/2025 | 2 C B |  | CT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 68 (redacted) |  | 33203233 |  | 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 (2025-02-20): Sufficient Cure Provided At Closing |  | 02/20/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 69 (redacted) |  | 33203283 |  | 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 (2025-02-19): Approve |  |  | 02/19/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 33203287 |  | 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 verification of the business used for income qualification within [redacted]business days of closing. |  |  |  | Reviewer Comment (2025-04-01): VVOE provided exception cleared.<br>Buyer Comment (2025-03-31): VVOE uploaded. | 04/01/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 69 (redacted) |  | 33203288 |  | 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 verification of the business used for income qualification within [redacted]business days of closing. |  |  |  | Reviewer Comment (2025-04-01): VVOE provided exception cleared.<br>Buyer Comment (2025-03-31): VVOE uploaded. | 04/01/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 33203289 |  | 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 (2025-04-01): VVOE provided exception cleared.<br>Buyer Comment (2025-03-31): VVOE uploaded. | 04/01/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 69 (redacted) |  | 33203290 |  | 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 (2025-04-01): VVOE provided exception cleared.<br>Buyer Comment (2025-03-31): VVOE uploaded. | 04/01/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548893 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-04-03): Received | 04/03/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548894 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-03-19): UCDP reflect CU score of [redacted], hence secondary valuation not required. Exception cleared.<br>Buyer Comment (2024-03-18): UCDP reflecting CU score of [redacted] uploaded. | 03/19/2024 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548895 |  | 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 at least [redacted]business days prior to closing was not provided. |  |  |  | Reviewer Comment (2024-03-19): Received Appraisal Notice and updated the information accordingly. Exception cleared.<br>Buyer Comment (2024-03-18): Appraisal proof of delivery uploaded. | 03/19/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548896 |  | 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. |  |  |  |  | Reviewer Comment (2024-03-19): Received Appraisal Notice and updated the information accordingly. Exception cleared.<br>Buyer Comment (2024-03-18): Appraisal proof of delivery uploaded. | 03/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548897 |  | 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. | Verification appraisal was delivered to borrower at least [redacted]business days prior to closing was not provided. |  |  |  | Reviewer Comment (2024-03-19): Received Appraisal Notice and updated the information accordingly. Exception cleared.<br>Buyer Comment (2024-03-18): Appraisal proof of delivery uploaded. | 03/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548898 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted]T-42 endorsement or the T-42.1 endorsement. (The loan is a [redacted]Section 50 (a)(6) home equity loan.) | The loan file does not evidence the Title Policy includes the [redacted]T-42 endorsement or the T-42.1 endorsement. |  |  |  | Reviewer Comment (2024-03-19): Documents received, system cleared.<br>Buyer Comment (2024-03-19): Final title policy uploaded. | 03/19/2024 |  |  | 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 C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548899 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted]Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  | Reviewer Comment (2024-03-19): Documents received, system cleared.<br>Buyer Comment (2024-03-18): Disclosure uploaded. | 03/19/2024 |  |  | 1 C 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 C A | Non QM | Non QM | Yes |
| (redacted) | 70 (redacted) |  | 34548900 |  | 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 Refresh 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 (2024-03-08): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-03-07): Please see missing PCCD with payment history for proof of cure | 03/08/2024 |  |  | 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) | 70 (redacted) |  | 34548901 |  | 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. | 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, 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 (2024-03-08): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-03-07): Please see missing PCCD with payment history for proof of cure | 03/08/2024 |  |  | 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) | 70 (redacted) |  | 34548902 |  | 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] plus [redacted]. 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 (2024-03-08): [redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2024-03-07): Please see missing PCCD with payment history for proof of cure | 03/08/2024 |  |  | 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) | 70 (redacted) |  | 34548903 |  | 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 50(a)(6): 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] | Points and Fees > [redacted]% |  |  |  | Reviewer Comment (2024-04-03): Rate Lock provided.<br>Buyer Comment (2024-04-02): Rate lock confirmation reflecting discount points bona fide uploaded. Please see page 4.<br>Buyer Comment (2024-04-02): Please exclude Bonafide discount from your calculation see rate table attached reflected [redacted] as closest to par note rate on this transaction is [redacted] | 04/03/2024 |  |  | 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) | 70 (redacted) |  | 34548904 |  | 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 50(a)(6): 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. |  |  |  |  | Reviewer Comment (2024-03-19): Documents received, system cleared.<br>Buyer Comment (2024-03-18): Disclosure uploaded. | 03/19/2024 |  |  | 1 B 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 C A | Non QM | Non QM | Yes |
| (redacted) | 70 (redacted) |  | 34548905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines state parameters for a [redacted] Section 5050(a)(6) mortgages: Fixed [redacted] year products allow for Full doc and bank statement documentation allowed. Subject loan was approved with P&L income. Please provide clarification as approval states full doc and 1008 reflects P&L income. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Miscellaneous | Residual income >$[redacted].<br>Low housing ration of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-04-24): Lender exception with compensating factors.<br>Buyer Comment (2024-04-22): Post Consummation Exception Approval uploaded.<br>Reviewer Comment (2024-04-10): Alternative Doc type not allowed on [redacted] Section [redacted]([redacted])([redacted]) mortgages.<br>Buyer Comment (2024-04-10): Updated [redacted] reflecting loan underwritten as Alternate Doc uploaded.<br>Reviewer Comment (2024-04-03): Matrix [redacted] states the [redacted] P&L program is an Alternate Doc program, not Full Doc. The [redacted] P&L program is listed under the "[redacted]-Year Alternative Income Documentation" heading on page [redacted] of the Guidelines. Unable to clear.<br>Buyer Comment (2024-04-02): Please note, loan properly reflects underwritten as Full Doc P&L loan. |  |  | 04/24/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548906 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | The loan file is missing the payoff statement for the lien paid to INS/HUD in the amount of $[redacted]. |  |  |  | Reviewer Comment (2024-03-11): Exception Cleared, received payoff Statement for INS/HUD for the amount of [redacted].<br>Buyer Comment (2024-03-07): Please see ISN payoff | 03/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548907 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [readcted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/08/2024 |  | 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) | 70 (redacted) |  | 34548908 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/08/2024 |  | 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) | 70 (redacted) |  | 34548909 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/08/2024 |  | 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) | 70 (redacted) |  | 34548910 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted]) 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 (2024-03-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/08/2024 |  | 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) | 70 (redacted) |  | 34548911 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated loan approval reflecting Doc Type P&L [redacted] year. |  |  |  | Reviewer Comment (2024-04-10): Updated Approval provided. Cleared.<br>Buyer Comment (2024-04-10): Updated [redacted] reflecting loan underwritten as Alternate Doc uploaded.<br>Reviewer Comment (2024-04-03): Matrix [redacted] states the [redacted] P&L program is an Alternate Doc program, not Full Doc. The [redacted] P&L program is listed under the "[redacted]r Alternative Income Documentation" heading on page [redacted]of the Guidelines. Unable to clear.<br>Buyer Comment (2024-04-02): Please note, loan properly reflects underwritten as Full Doc P&L loan. | 04/10/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 70 (redacted) |  | 34548913 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) | [redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed. | Document was not signed and dated by lender and non-borrowing spouse. |  |  |  | Reviewer Comment (2024-04-25): [redacted] received copy of disclosure signed by spouse post closing.<br>Buyer Comment (2024-04-22): Disclosure signed by [redacted] uploaded. |  | 04/25/2024 |  | 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 C A | Non QM | Non QM | Yes |
| (redacted) | 70 (redacted) |  | 34548914 |  | 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 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Document was not signed and dated by lender. |  |  |  | Reviewer Comment (2024-04-24): Document signed by the Lender, system cleared.<br>Buyer Comment (2024-04-22): Disclosure signed by lender uploaded.<br>Reviewer Comment (2024-03-29): Document provided was not signed and dated by the Lender. Please provide lender signed/dated disclosure.<br>Buyer Comment (2024-03-21): Disclosure uploaded. | 04/24/2024 |  |  | 1 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, (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 C | Non QM | Non QM | Yes |
| (redacted) | 71 (redacted) |  | 34548919 |  | 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 |  |  |  | Reviewer Comment (2024-04-08): Documents received, system cleared.<br>Buyer Comment (2024-04-05): Disclosure dated within [redacted] business days provided to borrower uploaded. Please note, [redacted]. | 04/08/2024 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 71 (redacted) |  | 34548920 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within [redacted] business days of application. |  |  |  |  | Reviewer Comment (2024-04-08): Documents received, system cleared.<br>Buyer Comment (2024-04-05): Disclosure uploaded. | 04/08/2024 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 71 (redacted) |  | 34548921 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted]Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  | Buyer Comment (2024-04-05): Approved |  |  | 04/05/2024 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 71 (redacted) |  | 34548922 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [redacted]Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. |  |  |  |  | Reviewer Comment (2024-04-08): Documents received, system cleared.<br>Buyer Comment (2024-04-05): Disclosure uploaded. | 04/08/2024 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 71 (redacted) |  | 34548924 |  | 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. | The file is missing evidence the appraisal was provided to the borrower. |  |  |  | Buyer Comment (2024-04-09): Approve<br>Reviewer Comment (2024-04-08): Still missing proof of borrower receiving appraisal on or after the appraisal report date and [redacted] days prior on consummation date. Appraisal received document provided is to the lender and does not provide a date appraisal delivered to borrower.<br>Buyer Comment (2024-04-05): Appraisal proof of delivery uploaded. |  |  | 04/09/2024 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 72 (redacted) |  | 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) | 72 (redacted) |  | 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) | 72 (redacted) |  | 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) | 72 (redacted) |  | 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 one 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) | 72 (redacted) |  | 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) | 72 (redacted) |  | 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) | 72 (redacted) |  | 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) | 72 (redacted) |  | 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) | 73 (redacted) |  | 34548941 |  | 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 latest inspection date is [redacted]. There was a FEMA disaster dated [redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2024-07-29): Post disaster inspection report received and updated .Exception cleared<br>Buyer Comment (2024-07-26): Attached.<br>Reviewer Comment (2024-07-26): Exception Remains - Required Disaster Inspection report after disaster end date [redacted], Provided inspection report date is prior to disaster end date.<br>Buyer Comment (2024-07-25): Disaster inspection attached. Inspection date is prior to end date, but please downgrade exception to grade [redacted]. Reinspection will be submitted later. | 07/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 73 (redacted) |  | 34548944 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum credit score required for loan program is [redacted] Borrower credit score is [redacted]. Minimum credit score to use cash out reserves is [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 has a clean housing payment history | [redacted]+ years on the job.<br>Housing payment history clean for [redacted] months. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-07-03): Lender exception with compensating factors. |  |  | 07/03/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 73 (redacted) |  | 34548946 |  | 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 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not executed by the Lender. |  |  |  | Reviewer Comment (2024-07-31): Documents received, system cleared.<br>Buyer Comment (2024-07-25): Attached. | 07/31/2024 |  |  | 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 C | Non QM | Non QM | Yes |
| (redacted) | 73 (redacted) |  | 34548947 |  | 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 (2024-06-27): Sufficient Cure Provided At Closing |  | 06/27/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 73 (redacted) |  | 34548948 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Qualifying credit score of [redacted]does not meet guideline requirement of [redacted]. Minimum credit score to use cash out reserves is [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 has a clean housing payment history | [redacted]+ years on the job.<br>Housing payment history clean for [redacted] months. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-07-03): Lender exception with compensating factors. |  |  | 07/03/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 74 (redacted) |  | 34548950 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument not provided. |  |  |  | Reviewer Comment (2024-07-29): Exception Cleared - Received Security Instrument for subject property document associated and data updated as per provided document.<br>Buyer Comment (2024-07-26): Attached. | 07/29/2024 |  |  | 1 D A |  | IN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 74 (redacted) |  | 34548951 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2024-07-29): Facta disclosure provided exception cleared.<br>Buyer Comment (2024-07-26): This is logged on page [redacted] Disclosure Summary, the entry stating "Credit Score Disclosure Exception for Loans Secured by One to Four Units." This entry is sufficient to meet the requirement, please cancel this exception. To further demonstrate that this is acceptable, the actual disclosure document is also attached but this should not be construed to mean it was missing/required in the bundle. | 07/29/2024 |  |  | 1 B A |  | IN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 74 (redacted) |  | 34548954 |  | 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 | Unable to conclusively determine date of consummation due to missing Security Instrument. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  | Reviewer Comment (2024-08-07): Security instrument provided, exception cleared.<br>Buyer Comment (2024-07-26): Attached to exception ID [redacted]. | 08/07/2024 |  |  | 1 B A |  | IN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 74 (redacted) |  | 34548955 |  | 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 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>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 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-26): Client elected to regrade and waive<br>Reviewer Comment (2025-09-26): reopen<br>Reviewer Comment (2024-07-01): Lender exception with compensating factors. |  |  | 09/26/2025 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 74 (redacted) |  | 34548956 |  | 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] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-12): [redacted] Received PCCD, LOE and Payment history.<br>Buyer Comment (2024-08-09): Cure attached;[redacted] was applied at closing, additional [redacted] applied for total [redacted] cure. |  | 08/12/2024 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 74 (redacted) |  | 34548957 |  | 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 on the [redacted] Closing Disclosure to[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the Borrower. |  |  |  | Reviewer Comment (2024-08-12): [redacted] Received PCCD, LOE and Payment history.<br>Buyer Comment (2024-08-09): Cure attached; [redacted] was applied at closing, additional [redacted] applied for total [redacted] cure. |  | 08/12/2024 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 75 (redacted) |  | 34590720 |  | 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] Near-Prime A+ - Business Bank Statements ([redacted]). | FICO, DTI < [redacted] %, HDTI < [redacted] %, [redacted] monthly residual income, [redacted] years self employed |  |  | Reviewer Comment (2017-03-20): Exception in file for [redacted]% LTV. |  |  | 03/20/2017 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590721 |  | 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] Near-Prime A+ - Business Bank Statements ([redacted]). | FICO, DTI < [redacted] %, HDTI < [redacted] %, [redacted] monthly residual income, [redacted] years self employed |  |  | Reviewer Comment (2017-03-20): Exception in file for LTV. |  |  | 03/20/2017 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590722 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  |  | Guideline variance approved by lender at time of origination |  |  | Reviewer Comment (2017-03-16): Client will order a secondary valuation at the time of securitization. | 03/16/2017 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590723 |  | 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. (Initial/0xx/xx/xx) |  |  |  |  | Reviewer Comment (2017-03-24): Proof of electronic delivery provided. See new exception for missing Esign Consent. | 03/24/2017 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590724 |  | Compliance | Compliance | Federal Compliance | TILA | [redacted] Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  | Reviewer Comment (2017-03-28): rec'd CHARM booklet | 03/28/2017 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590725 |  | 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. (Type:Primary/xx/xx/xx) | [redacted] (1004) Secondary |  |  |  | Reviewer Comment (2017-03-24): [redacted] day waiver | 03/24/2017 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590726 |  | 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. (Type:Secondary/xx/xx/xx) | [redacted] (1004) Primary |  |  |  | Reviewer Comment (2017-03-24): [redacted] day waiver | 03/24/2017 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 75 (redacted) |  | 34590727 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xx) | The seller's CD reflects [redacted] whereas the borrower's CD reflects[redacted]. |  |  |  | Buyer Comment (2017-03-28): [redacted] accepts - Both Seller and Buyer CD's were reviewed individually. |  |  | 03/28/2017 | 1 B A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 75 (redacted) |  | 34590728 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xx) | [redacted] increase in credit report from LE to CD. |  |  |  | Reviewer Comment (2017-03-24): Change of Circumstance was on Initial Closing Disclosure Notice. | 03/24/2017 |  |  | 1 B A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 75 (redacted) |  | 34590729 |  | 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]. Insufficent or no cure was provided to the borrower. ([redacted]) | Fee disclosed as [redacted] on LE but disclosed as [redacted] on CD. |  |  |  | Reviewer Comment (2017-03-24): Change of Circumstance was on Initial Closing Disclosure Notice. | 03/24/2017 |  |  | 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) | 75 (redacted) |  | 34590730 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | New exception after receipt of electronic delivery of early CD. |  |  |  | Reviewer Comment (2017-03-28): rec'd e-consent | 03/28/2017 |  |  | 1 A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607371 |  | 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. |  |  |  |  |  | 10/26/2023 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607372 |  | 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. |  |  |  |  |  | 10/26/2023 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607373 |  | 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. |  |  |  |  |  | 10/26/2023 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607374 |  | 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. |  |  |  |  |  | 10/26/2023 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607375 |  | 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. |  |  |  |  |  |  |  | 12/28/2023 | 2 B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607376 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. |  |  |  |  |  | 10/19/2023 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607377 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten 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. |  |  |  |  |  |  | 10/25/2023 |  | 2 C B |  | OH | 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) | 76 (redacted) |  | 34607378 |  | 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 H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  | 04/19/2024 |  | 2 C B |  | OH | 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) | 76 (redacted) |  | 34607379 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  | 10/25/2023 |  | 2 C B |  | OH | 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) | 76 (redacted) |  | 34607380 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero 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. |  |  |  |  |  |  | 10/25/2023 |  | 2 C B |  | OH | 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) | 76 (redacted) |  | 34607381 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero 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. |  |  |  |  |  |  | 10/25/2023 |  | 2 C B |  | OH | 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) | 76 (redacted) |  | 34607383 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted] Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 12/28/2023 | 2 B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607384 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |  |  |  |  |  | 10/19/2023 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607385 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Miscellaneous | Lender Comp Factors provided.<br>Housing Ratio of 25% or less. | Originator,SitusAMC<br>Originator |  |  |  | 09/21/2023 | 2 B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 76 (redacted) |  | 34607387 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous | Lender Comp Factors provided.<br>Housing Ratio of 25% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator |  |  |  | 12/09/2023 | 2 B |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 77 (redacted) |  | 34607392 |  | 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 |  |  |  |  |  |  |  |  | 2 C B |  | SC | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| (redacted) | 77 (redacted) |  | 34607393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten 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. |  |  |  |  |  | 10/07/2024 |  |  | 1 C A |  | SC | 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) | 77 (redacted) |  | 34607394 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Substantial cash reserves<br>Borrower used own funds for down payment and closing (No gifts or DPA).<br>Excellent credit management with FICO 720+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC |  |  |  | 09/17/2024 | 2 B |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 77 (redacted) |  | 34607395 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Substantial cash reserves<br>Borrower used own funds for down payment and closing (No gifts or DPA).<br>Excellent credit management with FICO 720+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC |  |  |  | 09/17/2024 | 2 B |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 77 (redacted) |  | 34607397 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Substantial cash reserves<br>Borrower used own funds for down payment and closing (No gifts or DPA).<br>Excellent credit management with FICO 720+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC |  |  |  | 09/17/2024 | 2 B |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 77 (redacted) |  | 34607398 |  | 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]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 10/07/2024 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 78 (redacted) |  | 34607399 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  |  | 01/10/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607400 |  | 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. |  |  |  |  |  | 04/30/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 78 (redacted) |  | 34607402 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  |  |  |  |  |  | 01/10/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607403 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  |  |  |  |  |  | 01/10/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607404 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607405 |  | 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. |  |  |  |  |  | 04/30/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607406 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607407 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607409 |  | 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.) |  |  |  |  |  | 04/30/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607410 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607412 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607413 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607414 |  | 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 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.) |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Miscellaneous<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Total monthly payment savings of at least $1 to $499 per month<br>Excellent credit management with FICO 720+. | SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator |  |  |  | 04/30/2025 | 2 C B |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 78 (redacted) |  | 34607415 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 04/30/2025 |  |  | 1 A |  | NV | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 34607420 |  | 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 G for the initial escrow payment at closing of [redacted]; however, the Initial Escrow Account Disclosure reflects an initial deposit of [redacted]. |  |  |  | Reviewer Comment (2025-06-02): Documents received, system cleared.<br>Buyer Comment (2025-05-29): Please see CD dated [redacted] and Initial Escrow acct disclosure attached which matching initial disclosure amount of [redacted] | 06/02/2025 |  |  | 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. B | Non QM | Non QM | Yes |
| (redacted) | 79 (redacted) |  | 34607421 |  | 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 at least [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-05-30): [redacted] received disclosure summary suffice.<br>Buyer Comment (2025-05-29): Please see Initial CD and Consummation CD attached. Initial CD was signed and dated by our borrower on [redacted] then the Consummation CD was signed and dated by the borrower until [redacted] more than [redacted] business days. | 05/30/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 34607422 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]business days prior to closing. | The [redacted] Loan Estimate is not signed/dated and there is no other evidence in loan file the borrower received the revised loan estimate at least [redacted]business days before closing. |  |  |  | Reviewer Comment (2025-05-30): [redacted] received proof of receipt.<br>Buyer Comment (2025-05-29): Please see final LE dated [redacted] signed and dated by borrower on the same date. Consummation CD was signed and dated until [redacted] which is more than [redacted]business days | 05/30/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 79 (redacted) |  | 34607423 |  | 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] business days from transaction date of [redacted]. |  |  |  |  | Reviewer Comment (2025-06-16): Provided Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2025-06-12): A new [redacted] was submitted to borrower in order to complied for proving that a new [redacted] was provided. Please see attached [redacted] along with proof of delivery.<br>Reviewer Comment (2025-06-04): Provide the following: Letter of Explanation and Proof of Delivery of [redacted] to mitigate the condition.<br>Buyer Comment (2025-06-02): Please see [redacted]attached |  | 06/16/2025 |  | 2 C B |  | IN | 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) | 79 (redacted) |  | 34607424 |  | 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 (2025-05-29): Accepted |  |  | 05/29/2025 | 2 B |  | IN | 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) | 79 (redacted) |  | 34607425 |  | 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 not signed and dated by the Borrower and based on disclosure tracking was not received until [redacted] resulting in the transaction date of[redacted] even though Notary date was earlier. |  |  |  | Reviewer Comment (2025-06-16): Provided Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2025-06-12): A new [redacted] was submitted to borrower in order to complied for proving that a new [redacted] was provided. Please see attached [redacted]along with proof of delivery.<br>Reviewer Comment (2025-06-04): Provide the following: Letter of Explanation and Proof of Delivery of [redacted] to mitigate the condition.<br>Buyer Comment (2025-06-02): Please see [redacted] attached |  | 06/16/2025 |  | 2 C B |  | IN | 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) | 79 (redacted) |  | 34607426 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [redacted] is less than Guideline representative FICO score of [redacted].Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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. | 5+years on job.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-06-02): Please see an update Non-Agency Loan approval attached.<br>Reviewer Comment (2025-06-02): Exception policy guidelines requires an exception MUST include a minimum of [redacted] Compensating Factor from EACH of the Category A and Category B lists. The two comp factors provided are both from Category A.<br>Buyer Comment (2025-05-29): Please see an Update an Update Non-Agency Loan Approval attached showing and additional Comp Factor which is residual income greater than [redacted] |  |  | 06/04/2025 | 2 C B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 80 (redacted) |  | 34607430 |  | 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 exceeded for Loan Discount Points. Fee Amount of[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-29): [redacted] received valid COC dated [redacted].<br>Buyer Comment (2025-05-27): COC reason uploaded, rate lock as loan was not previously locked. | 05/29/2025 |  |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 80 (redacted) |  | 34607431 |  | 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 (2025-05-29): accept |  |  | 05/29/2025 | 2 B |  | IN | 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) | 80 (redacted) |  | 34607432 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  | 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<br>Miscellaneous | 5+ years on job.<br>Residual income >$2,500.00.<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of 25% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator |  |  |  | 08/14/2025 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607433 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is not provided in file |  |  |  | Reviewer Comment (2025-07-22): Cleared.<br>Buyer Comment (2025-07-17): UCDP [redacted] score, no secondary financing required | 07/22/2025 |  |  | 1 D A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607434 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-07-29): Final title policy provided<br>Buyer Comment (2025-07-25): final title policy uploaded | 07/29/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607436 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard insurance is not provided in file for REO property-[redacted] |  |  |  | Reviewer Comment (2025-07-22): Cleared.<br>Buyer Comment (2025-07-17): signed loe confirming property not insured | 07/22/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607437 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-29): Final title policy provided | 07/29/2025 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607440 |  | 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]0. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded Total amount of [redacted] exceeds tolerance of [redacted] due to Recording fees. No valid COC in file. |  |  |  | Reviewer Comment (2025-07-18): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-07-17): PR and PCCD with cover letter |  | 07/18/2025 |  | 2 C B |  | MD | 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) | 81 (redacted) |  | 34607441 |  | 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 Underwriting Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Underwriting Fee was not disclosed on initial LE but [redacted] was disclosed on Closing disclosure. Sufficient Cure was not provided on file. |  |  |  | Reviewer Comment (2025-07-18): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-07-17): PR and PCCD with cover letter |  | 07/18/2025 |  | 2 C B |  | MD | 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) | 81 (redacted) |  | 34607442 |  | 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. | Credit report fee was [redacted]disclosed on initial LE but [redacted] was disclosed on Closing disclosure. Sufficient Cure was not provided on file. |  |  |  | Reviewer Comment (2025-07-18): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-07-17): PR and PCCD with cover letter |  | 07/18/2025 |  | 2 C B |  | MD | 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) | 81 (redacted) |  | 34607443 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] - No evidence of required counseling disclosure language per [redacted]. | [redacted] Counseling disclosure is not signed. |  |  |  | Reviewer Comment (2025-07-22): Cleared.<br>Buyer Comment (2025-07-17): disclosure delivery | 07/22/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607445 |  | 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] 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. | E-signed document is not provided in file. |  |  |  | Reviewer Comment (2025-07-18): [redacted] as per disclosures summary ILE was sent via fulfilment. | 07/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607446 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum credit score requirement is not met | Miscellaneous<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Residual income is greater than [redacted] .<br>Prior Homeownership Experience (No FC or Short Sale). | Originator<br>Originator<br>SitusAMC | Reviewer Comment (2025-07-18): Lender exception provided.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. |  |  |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607448 |  | 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]. | Miscellaneous<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Residual income is greater than [redacted] .<br>Prior Homeownership Experience (No FC or Short Sale). | Originator<br>Originator<br>SitusAMC | Reviewer Comment (2025-07-18): Lender exception provided.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception.<br>Buyer Comment (2025-07-17): Please see funding CD attached, all debt paid through closing. DTI is [redacted], appears LAS report is still including solar loan in DTI |  |  | 07/18/2025 | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607449 |  | 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 calculated investor qualifying total debt ratio of[redacted] exceeding guideline total debt ratio of[redacted]. |  |  |  | Reviewer Comment (2025-07-18): Lender exception provided.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. DTI is [redacted] at COE, borrower paid all debt through closing, see funding CD attached. | 07/18/2025 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 81 (redacted) |  | 34607450 |  | 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 calculated investor qualifying total debt ratio of [redacted] exceeding guideline total debt ratio of [redacted]. |  |  |  | Reviewer Comment (2025-07-18): Lender exception provided.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. DTI is [redacted], all debt paid through closing, see funder CD attached<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted]and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. DTI is [redacted], all debt paid through closing, see funder CD attached | 07/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607451 |  | 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 1026.43(c)(5) of [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to calculated investor qualifying total debt ratio of [redacted] exceeding guideline total debt ratio of [redacted]. | Miscellaneous<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Residual income is greater than [redacted] .<br>Prior Homeownership Experience (No FC or Short Sale). | Originator<br>Originator<br>SitusAMC | Reviewer Comment (2025-07-18): Lender exception provided.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. DTI is [redacted] all debt paid through closing, see funder CD |  |  | 07/18/2025 | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 81 (redacted) |  | 34607452 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [readcted] Cure | 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 (2025-07-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 07/18/2025 |  | 1 A |  | MD | 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) | 81 (redacted) |  | 34607453 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure -[readcted]) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 07/18/2025 |  | 1 A |  | MD | 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) | 81 (redacted) |  | 34607454 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [readcted] 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 (2025-07-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 07/18/2025 |  | 1 A |  | MD | 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) | 82 (redacted) |  | 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) | 82 (redacted) |  | 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 50(a)(6): 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) | 82 (redacted) |  | 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) | 83 (redacted) |  | 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) | 84 (redacted) |  | 34607465 |  | 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. | Provide Valid Change of Circumstance with evidence to support change, or cure to the borrower with a PC CD and evidence it sent to the borrower with an explanation of changes. Loan file contains Change of Circumstance form, however there is no evidence to support the actual change (ex. rate lock, extension, title with individuals removed/added, program change). |  |  |  | Reviewer Comment (2022-10-21): [redacted]received LOE and Pay history for the principal reduction provided in PCCD.<br>Buyer Comment (2022-10-20): Please see attached documents for Pymt hist, PCCD and COC. | 10/21/2022 |  |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 84 (redacted) |  | 34607467 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan does not meet the Guideline requirement of : Business must be in existence for at least [Redacted] years. Start date for the business 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>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. | Lender Exception with Comp Factors provided for regrade and waive.<br>Low housing ratio of [Redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-27): Compensating factors used to waive exception.<br>Reviewer Comment (2023-04-27): Compensating factor: Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2022-10-27): Lender Exception with Comp Factors provided for regrade and waive.<br>Buyer Comment (2022-10-21): Please see attached document for UW's exception |  |  | 10/27/2022 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607468 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan does not meet the Guideline requirement of : Borrowers must be [Redacted] for at least [Redacted] years. Start date for the business is [Redacted] with borrower being a [Redacted] earner prior to. | 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 refinance has decreased the borrower's monthly debt payments by [Redacted]or more. | Lender Exception with Comp Factors provided for regrade and waive.<br>Low housing ratio of [Redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-27): Compensating factors used to waive exception.<br>Buyer Comment (2022-11-07): [redacted]<br>Reviewer Comment (2022-10-27): Please provide additional Lender statement reflecting the "less than [redacted] years self employed", which refers to the borrower, encompases the business not being open for [redacted] years.<br>Reviewer Comment (2022-10-27): Cleared in error.<br>Reviewer Comment (2022-10-27): Lender Exception with Comp Factors provided for regrade and waive.<br>Buyer Comment (2022-10-24): Approval |  |  | 11/07/2022 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607469 |  | 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. | Provide all appraisals and evidence they were all sent to the borrower at least [Redacted] days prior to closing. |  |  |  | Buyer Comment (2022-11-07): [redacted] |  |  | 11/07/2022 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Tolerance exceeded for [Redacted]s. Fee Amount of [Redacted] exceeds tolerance of[Redacted] Insufficient or no cure was provided to the borrower. | Provide Valid Change of Circumstance with evidence to support change or cure to the borrower with a [Redacted] and evidence it sent to the borrower with an explanation of changes. Loan file contains Change of Circumstance form, however there is no evidence to support the actual change (ex. rate lock, extension, title with individuals removed/added, program change). |  |  |  | Reviewer Comment (2022-10-24): [redacted]received a valid COC dated [redacted] for the fee increased.<br>Buyer Comment (2022-10-21): Please see attached document for proof of deliver and COC changes for Discount Points | 10/24/2022 |  |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 84 (redacted) |  | 34607471 |  | 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 ___. | Calculated loan to value exceeds allowable for the score of [Redacted] on a cash-out refinance. | 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 refinance has decreased the borrower's monthly debt payments by [Redacted]or more. | Lender Exception with Comp Factors provided for regrade and waive.<br>Low housing ratio of [Redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-27): Compensating factors used to waive exception.<br>Reviewer Comment (2023-04-27): Compensating factor: Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2023-04-27): Updates requested.<br>Reviewer Comment (2022-10-27): Lender Exception with Comp Factors provided for regrade and waive.<br>Buyer Comment (2022-10-21): Please see attached document for UW's exception |  |  | 04/27/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607472 |  | 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 ___. | Calculated combined loan to value exceeds allowable for the score of [Redacted] on a cash-out refinance. | 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 refinance has decreased the borrower's monthly debt payments by [Redacted]or more. | Lender Exception with Comp Factors provided for regrade and waive.<br>Low housing ratio of [Redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-27): Compensating factors used to waive exception.<br>Reviewer Comment (2023-04-27): Compensating factor: Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2023-04-27): Updates requested.<br>Reviewer Comment (2022-10-27): Lender Exception with Comp Factors provided for regrade and waive.<br>Buyer Comment (2022-10-21): Please see attached document for UW's exception |  |  | 04/27/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607473 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Provide Operating Agreement that reflects the borrower's actual percentage of ownership. Most recent verification, dated [Redacted] , does not reflect the borrower as the Agent, and the[Redacted] does not reflect the borrower as retaining [Redacted] ownership of the business. | Borrower has a clean housing payment history<br>Borrower has verified disposable income of at least [Redacted]<br>The qualifying DTI on the loan is at least [Redacted] less than the guideline maximum. | Prior homeownership experience (no FC or SS).<br>Lender Exception with Comp Factors provided for regrade and waive.<br>Low housing ratio of [Redacted] or less. | Originator<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2023-06-20): Lender exception and Compensating Factors provided.<br>Buyer Comment (2023-06-14): PC Exception Approval uploaded. Please downgrade and waive.<br>Reviewer Comment (2023-04-27): Provide confirmation exception to be waived and regraded.<br>Reviewer Comment (2023-03-30): Trailing [redacted] supporting documentation is not current to reflect ownership percentage. Provide current Third-Party documentation indicating the Borrower is the [redacted]% shareholder/owner.<br>Buyer Comment (2023-03-25): Please see 1120s uploaded for business reflecting only [redacted] share holder/owner which is the borrower.<br>Reviewer Comment (2023-03-07): Unable to accept letter from borrower as they are not an uninterested third party. The address of a business does not provide information of the actual owner and percentage ownership. Unable to clear.<br>Buyer Comment (2023-03-01): Divorce Decree reflecting Principal Office Address belongs to borrower and LOE from borrower stating [redacted]% owner of company uploaded.<br>Reviewer Comment (2023-02-17): The most recent 3rd party doc provided, dated [redacted] (after divorce), lists the spouse as the registered agent. The articles of organization and annual registration do not reflect a date pulled listing borrower as a member, it lists a filing date of [redacted]. Do not have a recent doc confirming current status.<br>Buyer Comment (2023-02-15): Please see regulations for the State of [redacted] on which they stated that shall not accept for filing any operating agreement of any limited liability company. The divorce decree stated bwr was awarded with subject property, her business is been running from the bwr's home also there is a LOE letter from bwr stating that she own [redacted]% of the business.<br>Reviewer Comment (2022-11-08): Received Secretary of State of [redacted] document. Require Operating Agreement that reflects the borrower's actual percentage of ownership. Exception Remains.<br>Buyer Comment (2022-11-05): Please see Annual Registration for years [redacted],[redacted] and [redacted] and explanation from the [redacted] state any other operation agreement. The bwr is the only owner for the business which is showing legal address also stated on the divorce decree that was assigned to the bwr.<br>Reviewer Comment (2022-11-01): Borrower was Sole Proprietor in [redacted] per LOE and Sch C form, company was formed in [redacted], so unable to use [redacted] documentation to support the newer LLC. Unable to clear condition.<br>Buyer Comment (2022-10-28): Please see P/L statement for [redacted] taxes which shows that bwr owns [redacted]% her business.<br>Reviewer Comment (2022-10-27): Unable to accept an LOE from the borrower for ownership, third party evidence required. SoS documentation provided shows the ex-spouse in reference to the business and [redacted] LLC is not listed in the Divorce Decree. Please provide third party evidence.<br>Buyer Comment (2022-10-21): Please see attached document for Divorce decree, LOE and business documents. bwr on the divorce decree got awarded with the property and business is located on same location. also LOE stated that she is [redacted]% owner of the business. |  |  | 06/20/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607474 |  | 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. |  | Provide satisfactory Post Disaster Inspection. Most Recent Valuation Inspection Date: [Redacted] . Disaster Declaration Date: [Redacted]. Disaster End Date:[Redacted] Disaster Name: [Redacted], [Redacted], And [Redacted]. |  |  |  | Reviewer Comment (2023-04-11): Trailing Condition Assessment Report dated [redacted] provided.<br>Buyer Comment (2023-04-06): Please see Re-Inspection report attached. | 04/11/2023 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 84 (redacted) |  | 34607475 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [Redacted]Cure | TILA-RESPA Integrated Disclosure: [Redacted] 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 (2023-03-30): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/30/2023 |  | 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) | 85 (redacted) |  | 34607477 |  | 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. | Discount Point Fee disclosed as[redacted] on Loan Estimate dated [redacted] , but disclosed as [redacted] on Final Closing Disclosure. |  |  |  | Reviewer Comment (2022-10-17): [redacted] Received Valid COC dated[redacted].<br>Buyer Comment (2022-10-14): Please see attached document for COC and Proof of delivered. | 10/17/2022 |  |  | 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) | 85 (redacted) |  | 34607479 |  | 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 increases in Title-Settlement Fees, Title-Lender Title Insurance, Title - Endorsements and Title-Tax Certification. |  |  |  | Reviewer Comment (2022-10-17): [redacted] Sufficient cure provided at closing.<br>Buyer Comment (2022-10-14): Please see final CD reflecting a lender credit for the amount of [redacted] which exceed increased in settlement charges | 10/17/2022 |  |  | 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) | 85 (redacted) |  | 34607480 |  | 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 been employed in the same industry for more than [redacted] years. | [redacted] Years on Job | SitusAMC,Originator | Reviewer Comment (2025-07-08): Lender exception with compensating factors.<br>Reviewer Comment (2022-10-13): Approved lender exception |  |  | 10/13/2022 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 85 (redacted) |  | 34607481 |  | 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. |  |  |  |  | Reviewer Comment (2022-10-17): Sufficient Cure Provided At Closing |  | 10/17/2022 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 86 (redacted) |  | 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) | 86 (redacted) |  | 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) | 86 (redacted) |  | 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 G 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) | 86 (redacted) |  | 34607487 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 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) | 86 (redacted) |  | 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) | 86 (redacted) |  | 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>CF 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) | 86 (redacted) |  | 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>CF 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) | 88 (redacted) |  | 34607495 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  |  |  | Reviewer Comment (2022-12-13): Received<br>Buyer Comment (2022-12-08): Divorce papers | 12/13/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607497 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation Letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607498 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607499 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607500 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than [redacted] days. |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607501 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted]of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted]. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation Letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| (redacted) | 88 (redacted) |  | 34607502 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607503 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] T-42 endorsement or the T-42.1 endorsement. (The loan is a [redacted]Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2024-02-23): Final title provided, system cleared.<br>Buyer Comment (2024-02-15): Final Title Policy<br>Reviewer Comment (2024-02-15): Reopened at client request.<br>Buyer Comment (2022-12-05): [redacted] Accepting Exception as EV2 | 02/23/2024 |  |  | 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 C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607504 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | [redacted]Anti-Predatory Lending Statute: Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Total Loan Amount. Points and Fees total [redacted] on a Total Loan Amount of [redacted]vs. an allowable total of [redacted]. Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Received attestation letter regarding affiliate.<br>Buyer Comment (2022-12-06): See Attestation letter | 12/08/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | No obvious cure C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607505 |  | 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 (2022-12-05): [redacted] accepting Exception as EV2 |  |  | 12/05/2022 | 2 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 C B | Non QM | Non QM | Yes |
| (redacted) | 88 (redacted) |  | 34607506 |  | 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 made exceptions for LTV, DTI and Reserves based on Compensating Factors. | Borrower has verified disposable income of at least [redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Housing payment history clean<br>Lender Exception with Comp Factors provided for regrade and waive. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2022-11-30): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 11/30/2022 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607508 |  | 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 made exceptions for LTV, DTI and Reserves based on Compensating Factors. | Borrower has verified disposable income of at least [redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Housing payment history clean<br>Lender Exception with Comp Factors provided for regrade and waive. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2022-11-30): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 11/30/2022 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607509 |  | 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 ___. | Lender made exceptions for LTV, DTI and Reserves based on Compensating Factors. | Borrower has verified disposable income of at least [redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Housing payment history clean<br>Lender Exception with Comp Factors provided for regrade and waive. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2022-11-30): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 11/30/2022 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607510 |  | 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. |  |  |  |  | Buyer Comment (2022-12-05): [redacted] accepting exception as [redacted] |  |  | 12/05/2022 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 88 (redacted) |  | 34607511 |  | 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.) |  | Borrower has verified disposable income of at least [redacted] .<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower has a clean housing payment history<br>Borrower has been employed in the same industry for more than [redacted] years. | Housing payment history clean<br>Lender Exception with Comp Factors provided for regrade and waive. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2022-11-30): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 11/30/2022 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 34607513 |  | 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 approved exception for DTI of [redacted]% exceeding guideline maximum DTI 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 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>Borrower has owned the subject property for at least [redacted] years. | Approval showed exception for mortgage lates. credit showed lates | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender exception with compensating factors.<br>Reviewer Comment (2023-04-26): Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2023-01-04): Approval showed exception for mortgage lates. credit showed lates |  |  | 01/04/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 34607515 |  | 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] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender approved exception for the DTI of [redacted]% exceeding the guideline maximum DTI 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 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. | Approval showed exception for mortgage lates. credit showed lates | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender exception with compensating factors.<br>Reviewer Comment (2023-04-26): Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2023-01-04): Approval showed exception for mortgage lates. credit showed lates |  |  | 01/04/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 89 (redacted) |  | 34607516 |  | 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]: Unable to determine if loan was closed at an authorized location due to missing documentation. | Missing evidence of loan closing taking place at an authorized location. |  |  |  | Buyer Comment (2023-04-11): \* |  |  | 04/11/2023 | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 89 (redacted) |  | 34607517 |  | 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 [redacted] cure was provided to the borrower. | The final Closing Disclosure reflects Title - Settlement Fee of $[redacted] and the Loan Estimate disclosed $[redacted] with no valid change of circumstance for the increase. The final Closing Disclosure reflects a Title - Tax Certificate fee of $[redacted] which was not disclosed on the Loan Estimate. These fees caused the total of [redacted] percent tolerance fees exceeding the tolerance amount by $[redacted]. |  |  |  | Reviewer Comment (2023-01-17): [redacted] received PCCD, LOE and payment history.<br>Buyer Comment (2023-01-17): Please see PPC and pymt history reflecting cure for $[redacted] |  | 01/17/2023 |  | 2 C B |  | 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) | 89 (redacted) |  | 34607518 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Minimum tradeline requirement not met. | 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. | Approval showed exception for mortgage lates. credit showed lates | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2023-04-26): Prior Homeownership Experience (No FC or Short Sale)<br>Reviewer Comment (2023-04-26): Lender exception with Compensating Factors. |  |  | 04/26/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 90 (redacted) |  | 34607526 |  | 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 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 (2023-07-18): [redacted] received valid COC documents<br>Buyer Comment (2023-07-13): Disclosure tracking details and rate locks reflecting VCOC for increased discount points.<br>Reviewer Comment (2023-06-29): [redacted] received rate lock documents dated [redacted] which is not within [redacted] days of change dated [redacted]. Please provide valid COC or rate document within [redacted] days of [redacted] or cure is required. As cure provided at closing is insufficient to cure all citing.<br>Reviewer Comment (2023-06-22): [redacted]received CD dated [redacted] however no COC document received for Loan Discount points increase. Please provide valid COC or additional cure of [redacted] as cure provided at closing is [redacted]. Total cure required is $[redacted]. A valid Changed Circumstance or additional cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2023-06-20): [redacted] File Does not contain COC or CD dated [redacted] showing discount point fee [redacted]. Provide COC dated [redacted] with corresponding CD showing Discount point [redacted] or provide Cure Docs for [redacted]<br>Buyer Comment (2023-06-19): COC [redacted] increased discount points to [redacted] then increased on [redacted] with no COC to [redacted] cure required is [redacted] with an additional [redacted] for the notary fee cure total [redacted] Please confirm before I process cure and PCCD | 07/18/2023 |  |  | 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) | 90 (redacted) |  | 34607527 |  | 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 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 (2023-06-29): 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 (2023-06-27): rate lock confirmations supporting COC [redacted] discount point change<br>Reviewer Comment (2023-06-22): [redacted]received CD dated [redacted] however no COC document received for Loan Discount points increase. Please provide valid COC or additional cure of [redacted]as cure provided at closing is [redacted]. Total cure required is [redacted]. A valid Changed Circumstance or additional cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2023-06-20): [redacted] File Does not contain COC or CD dated [redacted] showing discount point fee [redacted]. Provide COC dated [redacted] with corresponding CD showing Discount point [redacted]<br>Buyer Comment (2023-06-19): COC [redacted] increased discount points to [redacted] then increased on [redacted] with no COC to [redacted] | 06/29/2023 |  |  | 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) | 90 (redacted) |  | 34607528 |  | 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 Notary Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Notary 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 (2023-06-29): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2023-06-22): [redacted] received CD dated [redacted] however no COC document received for Loan Discount points increase. Please provide valid COC or additional cure of [redacted] as cure provided at closing is [redacted]. Total cure required is [redacted]. A valid Changed Circumstance or additional cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-06-21): [redacted] CD<br>Reviewer Comment (2023-06-20): [redacted] File Does not contain COC or CD dated [redacted] showing discount point fee [redacted]. Provide COC dated [redacted] with corresponding CD showing Discount point [redacted] or provide Cure Docs for [redacted]<br>Buyer Comment (2023-06-19): COC | 06/29/2023 |  |  | 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) | 90 (redacted) |  | 34607529 |  | 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 was approved for FICO Score and to use proceeds from cash out for Reserves. | 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] . | [redacted] plus years on job | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-06-07): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 06/07/2023 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 90 (redacted) |  | 34607530 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Exception was approved for FICO Score and to use proceeds from cash out for Reserves. | 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] . | [redacted] plus years on job | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-06-07): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 06/07/2023 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 90 (redacted) |  | 34607531 |  | 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2023-07-18): Sufficient Cure Provided At Closing |  | 07/18/2023 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 90 (redacted) |  | 34607532 |  | 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 Notary Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2023-07-18): Sufficient Cure Provided At Closing |  | 07/18/2023 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 91 (redacted) |  | 34607534 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower. |  |  |  | Reviewer Comment (2023-07-18): Rate sheet with Undiscounted Rate and Price for Rate provided.<br>Buyer Comment (2023-07-17): Please see Rate Lock attached<br>Reviewer Comment (2023-07-13): Rate lock required to run final compliance. Lock not in file.<br>Buyer Comment (2023-07-12): Correct APOR for lock date of [redacted] on a [redacted]-year loan is [redacted], so APR threshold is [redacted](APOR + [redacted]%). APR is [redacted], so loan passes HOEPA APR Test.<br>Buyer Comment (2023-06-30): Please see RegAssist report. showing HOEPA passing. the difference is the amount of $[redacted] for Attorney fee that [redacted] did not used by [redacted] | 07/18/2023 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 34607535 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2023-07-18): Rate sheet with Undiscounted Rate and Price for Rate provided.<br>Buyer Comment (2023-07-14): Please see Rate Lock attached<br>Reviewer Comment (2023-07-13): Rate lock required to run final compliance. Lock not in file.<br>Buyer Comment (2023-07-13): Please see Pre-Counseling attached<br>Reviewer Comment (2023-06-29): Please provide Certificate evidencing the borrower received pre-loan counseling. Unable to clear.<br>Buyer Comment (2023-06-26): Please see attached document | 07/18/2023 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 34607536 |  | 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 1 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] was left blank. The monthly HOA fees of $[redacted] are required to be captured. The actual should be $[redacted] |  |  |  | Reviewer Comment (2023-06-27): [redacted]Received PCCD and LOE<br>Buyer Comment (2023-06-26): Please see PCCD attached |  | 06/27/2023 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 91 (redacted) |  | 34607537 |  | 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. | TRID Violation due to a fee increased on Loan Estimate dated [redacted]. Loan Estimate dated [redacted] reflects Loan discount Points of $[redacted], however, Loan Estimate dated [redacted] reflects an Loan discount Points of $[redacted] This is a fee increase of $[redacted] for a Non-Shoppable Fee which exceeds the [redacted]% tolerance for Non-Shoppable Fees. A valid COC is required. |  |  |  | Reviewer Comment (2023-07-03): [redacted]received a valid COC.<br>Buyer Comment (2023-06-30): No cure need. increased in settlement charges was causing by a Rate Lock update. Please see CD dated on [redacted], COC and Proof of Deliver attached | 07/03/2023 |  |  | 1 C A |  | NC | 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) | 91 (redacted) |  | 34607538 |  | 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. | TRID Violation due to a fee increased on Loan Estimate dated [redacted]. Loan Estimate [redacted] reflects Appraisal Fee of $[redacted], however, Loan Estimate dated [redacted] reflects an Appraisal Fee of $[redacted]. This is a fee increase of $[redacted] for a Non-Shoppable Fee which exceeds the [redacted]% tolerance for Non-Shoppable Fees. |  |  |  | Reviewer Comment (2023-07-18): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction.<br>Buyer Comment (2023-07-17): Please see PCCD & Pymt Hist attached showin a cure of $[redacted] |  | 07/18/2023 |  | 2 C B |  | NC | 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) | 91 (redacted) |  | 34607539 |  | 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 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>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower has a clean housing payment history | Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2023-06-07): Lender Exception with Comp Factors provided for regrade and waive. |  |  | 06/07/2023 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 34607541 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (High-Cost Mortgage): APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the Average Prime Offer Rate for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Non-Compliant High Cost Loan. | Calculated APR exceeds APR threshold of [redacted]% |  |  |  | Reviewer Comment (2023-07-18): Rate sheet with Undiscounted Rate and Price for Rate provided.<br>Buyer Comment (2023-07-17): Please see Rate Lock attached<br>Reviewer Comment (2023-07-13): Rate lock required to run final compliance. Lock not in file.<br>Buyer Comment (2023-07-12): Correct APOR for lock date of [redacted] on a[redacted] year loan is [redacted], so APR threshold is [redacted](APOR + [redacted]%). APR is [redacted], so loan passes HOEPA APR Test. | 07/18/2023 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| (redacted) | 91 (redacted) |  | 34607542 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) North Carolina High-Cost Loan (Calculated APR/Rate) | [redacted] Anti-Predatory Lending Law: APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the Average Prime Offer Rate for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Compliant High Cost Loan. | APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the Average Prime Offer Rate for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Compliant High Cost Loan. |  |  |  | Reviewer Comment (2023-07-18): Rate sheet with Undiscounted Rate and Price for Rate provided.<br>Buyer Comment (2023-07-17): Please see Rate Lock attached<br>Reviewer Comment (2023-07-13): Rate lock required to run final compliance. Lock not in file.<br>Buyer Comment (2023-07-12): Correct APOR for lock date of [redacted] on a [redacted] - year loan is [redacted], so APR threshold is [redacted] (APOR + [redacted]%). APR is [redacted], so loan passes HOEPA APR Test. | 07/18/2023 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to receiving notice from the borrower provide: <br> (1) Lender Attestation of no notice from the borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing (must be in transit with courier); (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| (redacted) | 91 (redacted) |  | 34607544 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2023-07-18): Rate sheet with Undiscounted Rate and Price for Rate provided.<br>Buyer Comment (2023-07-17): Please see Rate Lock attached<br>Buyer Comment (2023-07-15): Please see Rate Lock attached<br>Reviewer Comment (2023-07-13): Rate lock required to run final compliance. Lock not in file.<br>Buyer Comment (2023-07-12): Correct APOR for lock date of [redacted] on a[redacted] - year loan is [redacted], so APR threshold is [redacted] (APOR + [redacted]%). APR is [redacted], so loan passes HOEPA APR Test. | 07/18/2023 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 91 (redacted) |  | 34607545 |  | 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 (2023-07-18): Rate sheet with Undiscounted Rate and Price for Rate provided. | 07/18/2023 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted]are underdisclosed. | The monthly HOA Dues were not reflected on page[redacted] in the Non-Escrowed property costs. |  |  |  | Reviewer Comment (2023-08-14): [redacted] Received PCCD and LOE<br>Buyer Comment (2023-08-14): PCCD uploaded. |  | 08/14/2023 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 92 (redacted) |  | 34607550 |  | 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. | A valid Change of Circumstance was not found for the increase in the recording fee from [redacted] . A tolerance cure is required in the amount of [redacted] |  |  |  | Reviewer Comment (2023-08-22): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2023-08-18): PCCD and payment history reflecting PR uploaded. |  | 08/22/2023 |  | 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) | 92 (redacted) |  | 34607551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redcated] 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. | A valid Change of Circumstance was not found for the increase in the Appraisal Fee was from [redacted] on the Final Closing Disclosure. A tolerance cure is required in the amount of [redacted] for this percent tolerance fee. |  |  |  | Reviewer Comment (2023-08-22): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2023-08-18): PCCD and payment history reflecting PR uploaded. |  | 08/22/2023 |  | 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) | 92 (redacted) |  | 34607552 |  | 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 Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not found for the additional of the Final Inspection in the amount of [redacted] . A tolerance cure in the amount of [redacted] is required for this[redacted] percent tolerance fee. |  |  |  | Reviewer Comment (2023-08-22): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2023-08-18): PCCD and payment history reflecting PR uploaded. |  | 08/22/2023 |  | 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) | 92 (redacted) |  | 34607553 |  | 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. | A valid Change of Circumstance was not found for the increase in the Transfer Tax Fee from[redacted] on the Final Closing Disclosure. A tolerance cure is required in the amount of [redacted] 0 for this [redacted] percent tolerance fee. |  |  |  | Reviewer Comment (2023-08-22): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2023-08-18): PCCD and payment history reflecting PR uploaded. |  | 08/22/2023 |  | 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) | 92 (redacted) |  | 34607554 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The debts on the Loan Underwriting Transmittal do not match the total from the updated credit reports in file. |  |  |  | Reviewer Comment (2023-08-16): Correct Final 1008 with updated expenses was provided.<br>Buyer Comment (2023-08-14): 1008 uploaded. | 08/16/2023 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607555 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  | Reviewer Comment (2023-08-16): [redacted] provided that was signed by the borrower at closing.<br>Buyer Comment (2023-08-14): Initial and Final disclosures uploaded. | 08/16/2023 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607556 |  | 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 H-9 form was used, the H-8 form should have been used. | The Right to Rescind form H-8 should have been utilized versus H-9 as the loan was not a same lender refinance as verified with the title commitment. |  |  |  | Reviewer Comment (2023-09-11): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form provided.<br>Buyer Comment (2023-09-07): Re-executed [redacted], LOE to borrower and proof of delivery uploaded. |  | 09/11/2023 |  | 2 C B |  | GA | 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) | 92 (redacted) |  | 34607557 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Verification of business existence within [redacted] business days of closing was not found. Borrower's business explanation letter does not state they are[redacted] owner. |  |  |  | Reviewer Comment (2023-12-28): Received<br>Buyer Comment (2023-12-28): Escalation email to [redacted]<br>Reviewer Comment (2023-09-12): Percentage of ownership was not provided. Condition remains.<br>Buyer Comment (2023-09-07): Please note, VVOE states CMS employee re-verified business on [redacted] with Sec of State that is also uploaded. In addition, license states llsted as Registered Agent along with opencorporates verification.<br>Buyer Comment (2023-09-07): Please note, VVOE states CMS employee re-verified business on [redacted] with Sec of State that is also uploaded. In addition, license states llsted as Registered Agent along with opencorporates verification.<br>Reviewer Comment (2023-08-16): Reviewed documentation provided. Per guidelines the following are required: Verification borrower is [redacted] owner of business AND Verification of business existence required within [redacted] business days of closing. Documentation provided does not meet requirements. Exception remains.<br>Buyer Comment (2023-08-14): Business license uploaded. | 12/28/2023 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607558 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Documentation was not found to verif[redacted] months reserves as required. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender exception provided.<br>Low Housing Ratio of [redacted] or less.<br>Lender exception provided. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-17): Lender exception provided.<br>Buyer Comment (2023-08-14): UPE approved PTC uploaded. |  |  | 08/17/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607559 |  | 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 ___. | Documentation was not found to verify[redacted] months reserves as required. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender exception provided.<br>Low Housing Ratio of [redacted] or less.<br>Lender exception provided. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-17): Lender exception provided.<br>Buyer Comment (2023-08-14): UPE approved PTC uploaded. |  |  | 08/17/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607560 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO Score of[redacted] does not meet guideline Score of [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender exception provided.<br>Low Housing Ratio of [redacted] or less.<br>Lender exception provided. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-17): Lender exception provided.<br>Buyer Comment (2023-08-14): UPE approved PTC uploaded. |  |  | 08/17/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607561 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of business existence within [redacted] business days of closing was not found. Borrower's business explanation letter does not state they are [redacted] owner. |  |  |  | Reviewer Comment (2023-12-28): Received<br>Reviewer Comment (2023-09-12): Percentage of ownership was not provided. Condition remains.<br>Buyer Comment (2023-09-07): Please note, VVOE states CMS employee re-verified business on [redacted] with Sec of State that is also uploaded. In addition, license states llsted as Registered Agent along with opencorporates verification.<br>Reviewer Comment (2023-08-16): Reviewed documentation provided. Per guidelines the following are required: Verification borrower is [redacted] owner of business AND Verification of business existence required within [redacted] business days of closing. Documentation provided does not meet requirements. Exception remains.<br>Buyer Comment (2023-08-14): Business license uploaded. | 12/28/2023 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607562 |  | 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 was not found to verify [redacted] months reserves as required and FICO Score of [redacted] versus the required [redacted] , Verification of business existence within [redacted] business days of closing was not found, Borrower's business explanation letter does not state they are [redacted] owner, causing the loan to waterfall through Non-QM Testing. |  |  |  | Reviewer Comment (2023-12-28): Received<br>Reviewer Comment (2023-09-12): Percentage of ownership was not provided. Condition remains.<br>Buyer Comment (2023-09-07): All exceptions have been addressed.<br>Reviewer Comment (2023-08-17): This exception cannot be addressed until the remaining missing income documentation is provided.<br>Buyer Comment (2023-08-14): All documentation uploaded to specific exceptions. | 12/28/2023 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607563 |  | 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 was approved with Loan Designation of Non-QM. Documentation was not found to verify [redacted] months reserves as required and FICO Score of[redacted] versus the required[redacted] , Verification of business existence within [redacted] business days of closing was not found, Borrower's business explanation letter does not state they are 100% owner, causing the loan to waterfall through Non-QM Testing. This resulted in a Due Diligence Loan Designation discrepancy. |  |  |  | Reviewer Comment (2023-12-28): Asset exceptions waived with compensating factors, income documents received.<br>Reviewer Comment (2023-09-12): Percentage of ownership was not provided. Condition remains.<br>Buyer Comment (2023-09-07): All exceptions have been addressed.<br>Reviewer Comment (2023-08-17): This exception cannot be addressed until the remaining missing income documentation is provided.<br>Buyer Comment (2023-08-14): All documentation uploaded to specific exceptions. | 12/28/2023 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 92 (redacted) |  | 34607564 |  | 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 was not found to verify [redacted] months reserves as required and FICO Score of [redacted] versus the required [redacted] , Verification of business existence within [redacted] business days of closing was not found, Borrower's business explanation letter does not state he is 100% owner, causing the loan to waterfall through Non-QM Testing. |  |  |  | Reviewer Comment (2023-12-28): Asset exceptions waived with compensating factors, income documents received.<br>Reviewer Comment (2023-09-12): Percentage of ownership was not provided. Condition remains.<br>Buyer Comment (2023-09-07): All exceptions have been addressed.<br>Reviewer Comment (2023-08-17): This exception cannot be addressed until the remaining missing income documentation is provided.<br>Buyer Comment (2023-08-14): All documentation uploaded to specific exceptions. | 12/28/2023 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607565 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | FICO Score of[redacted] versus the required [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender exception provided.<br>Low Housing Ratio of [redacted] or less.<br>Lender exception provided. | Originator,SitusAMC<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-17): Lender exception provided.<br>Buyer Comment (2023-08-14): UPE approved PTC uploaded. |  |  | 08/17/2023 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 92 (redacted) |  | 34607566 |  | 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]business days of application. | ABA provided that was signed by the borrower at closing. |  |  |  | Reviewer Comment (2023-09-12): Signed initial disclosure was provided.<br>Buyer Comment (2023-09-07): Initial disclosure uploaded.<br>Reviewer Comment (2023-08-22): Application date is [redacted] Multiple Affiliated Business Disclosures were provided but are dated on[redacted] . Exception remains.<br>Buyer Comment (2023-08-18): Initial and final disclosures uploaded. | 09/12/2023 |  |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607567 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2023-08-14): Policy was provided.<br>Buyer Comment (2023-08-10): Hazard policy uploaded. | 08/14/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607568 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2023-08-14): Final title was provided. | 08/14/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607570 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Latest credit report in the document file is dated [redacted] . Loan consummation date is [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender identified compensating factor provided.<br>Loan Transaction resulting in [redacted] monthly savings.<br>Lender exception | SitusAMC,Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-11-02): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-10-26): Post Consummation Exception Approval uploaded. |  |  | 11/02/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607571 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2023-08-14): E-sign consent was provided.<br>Buyer Comment (2023-08-10): Expedite Audit Cert uploaded. | 08/14/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607572 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Affiliated Business Arrangement Disclosure not signed by borrower. |  |  |  | Reviewer Comment (2023-08-14): Signed disclosure provided.<br>Buyer Comment (2023-08-10): Initial and Final disclosure uploaded. | 08/14/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607573 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted]Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted]T-42 endorsement or the T-42.1 endorsement. (The loan is a [redacted]Section 50 (a)(6) home equity loan.) | The Final Title Policy was not in the file. The loan file does not evidence the Title Policy will include the[redacted] endorsement or the[redacted] endorsement. |  |  |  | Reviewer Comment (2023-08-14): Final title provided showing correct endorsements.<br>Buyer Comment (2023-08-10): Final Title Policy uploaded. | 08/14/2023 |  |  | 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 C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607574 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) | [redacted]Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed. | Acknowledgment of the[redacted] Market Value was not properly executed by the Borrower. |  |  |  | Reviewer Comment (2023-08-14): Disclosure provided with correct value.<br>Buyer Comment (2023-08-10): Disclosure uploaded. | 08/14/2023 |  |  | 1 C 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 C A | Non QM | Non QM | Yes |
| (redacted) | 93 (redacted) |  | 34607575 |  | 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 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the [redacted] Fair Market Value was not properly executed by the Lender. |  |  |  | Reviewer Comment (2023-08-14): Signed disclosure was provided.<br>Buyer Comment (2023-08-10): Disclosure uploaded. | 08/14/2023 |  |  | 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 C | Non QM | Non QM | Yes |
| (redacted) | 93 (redacted) |  | 34607576 |  | 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 50(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. | The appraisal reflects a value of [redacted] . The Fair Market Value disclosure reflects the value as[redacted] |  |  |  | Reviewer Comment (2023-08-14): Signed disclosure was provided.<br>Buyer Comment (2023-08-10): Disclosure uploaded. | 08/14/2023 |  |  | 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 C A | Non QM | Non QM | Yes |
| (redacted) | 93 (redacted) |  | 34607577 |  | 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 50(a)(6): 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] | [redacted] Constitution Section [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] |  |  |  | Reviewer Comment (2023-08-16): Received rate lock data<br>Buyer Comment (2023-08-10): Rate lock disclosure uploaded reflecting discount point bona fide. | 08/16/2023 |  |  | 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) | 93 (redacted) |  | 34607579 |  | 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. | A valid Change of Circumstance for the increase in discount points from [redacted] was not found. A rate lock or Change of Circumstance was not found for the rate lock and increase in points. A tolerance cure is required in the amount of [redacted] for this[redacted] percent tolerance fee. |  |  |  | Reviewer Comment (2023-09-06): [redacted] received PCCD, LOE & payment history for principal reduction of cure.<br>Buyer Comment (2023-09-05): PCCD and payment history reflecting PR uploaded.<br>Reviewer Comment (2023-08-18): [redacted] cure of [redacted] is sufficient to cure this exception. Please provide cure of [redacted] with cure documents consists of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2023-08-17): Reviewer provided conflicting responses on [redacted] Please confirm the COC provided initially is being accepted and a cure of[redacted] is suficient to move forward.<br>Reviewer Comment (2023-08-16): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero 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]<br>Reviewer Comment (2023-08-11): [redacted] received valid COC for [redacted] . A valid COC for[redacted] CD or Cure of[redacted] is required . Please provide valid COC or cure documents which consists of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2023-08-10): COC uploaded reflecting loan locked and re-baseline for discount is [redacted] Cure required of[redacted] please review and confirm. Once confirmed, a PR will be processed. |  | 09/06/2023 |  | 2 C B |  | 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) | 93 (redacted) |  | 34607580 |  | 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 is less than Guideline PITIA months reserves of [redacted] A Lender Exception was found in the file. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender identified compensating factor provided.<br>Loan Transaction resulting in [redacted] monthly savings.<br>Lender exception | SitusAMC,Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded.<br>Reviewer Comment (2023-08-04): A Lender Exception was in file, loan did not meet guideline requirements in a number of areas such as credit score, mortgage history and reserves. The only compensating factor that was presented was[redacted] plus years on job, the compensating factor is not compelling. |  |  | 08/16/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607581 |  | 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] A Lender Exception was found in file. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender identified compensating factor provided.<br>Loan Transaction resulting in [redacted] monthly savings.<br>Lender exception | SitusAMC,Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded.<br>Reviewer Comment (2023-08-04): A Lender Exception was in file, loan did not meet guideline requirements in a number of areas such as credit score, mortgage history and reserves. The only compensating factor that was presented was [redacted] plus years on job, the compensating factor is not compelling. |  |  | 08/16/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607582 |  | 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 H-9 form was used, the H-8 form should have been used. | The Notice of Right to Cancel Form H-8 should have been utilized since title evidences the original lender was not the same as the new lender. |  |  |  | Reviewer Comment (2023-11-06): [redacted] provided.<br>Buyer Comment (2023-11-03): Executed [redacted] uploaded.<br>Reviewer Comment (2023-11-02): Attached RTC not signed by the borrower.<br>Buyer Comment (2023-10-30): LOE, re-executed [redacted] and proof of delivery uploaded.<br>Buyer Comment (2023-10-30): LOE, re-executed[redacted] and proof of delivery uploaded. | 11/06/2023 |  |  | 1 C A |  | 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) | 93 (redacted) |  | 34607583 |  | 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. | The actual List of Homeownership Counseling Organizations was not found as required. |  |  |  | Buyer Comment (2023-08-25): \* |  |  | 08/25/2023 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607584 |  | 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]Constitution Section 50(a)(6): [redacted]Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. | There was no evidence the loan application was provided to the borrower at least [redacted] day prior to closing. |  |  |  | Reviewer Comment (2023-08-25): Trailing fully executed and complete Loan Application eSigned [redacted] 1 day prior to closing ([redacted]) provided.<br>Buyer Comment (2023-08-23): Application received by [redacted] business day prior to closing uploaded.<br>Reviewer Comment (2023-08-16): The exception is addressing the receipt of the most current application at least [redacted] day prior to closing; however, the document provided for the exception was a closing disclosure.<br>Buyer Comment (2023-08-10): Evidence uploaded. | 08/25/2023 |  |  | 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 C A | Non QM | Non QM | Yes |
| (redacted) | 93 (redacted) |  | 34607585 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers mortgage history delinquencies do need meet guidelines. A Lender Exception was found for this Housing Event. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender identified compensating factor provided.<br>Loan Transaction resulting in [redacted] monthly savings.<br>Lender exception | SitusAMC,Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded.<br>Reviewer Comment (2023-08-04): A Lender Exception was in file, loan did not meet guideline requirements in a number of areas such as credit score, mortgage history and reserves. The only compensating factor that was presented was[redacted] plus years on job, the compensating factor is not compelling. |  |  | 08/16/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607586 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2023-08-14): USE Patriot Act Disclosure was provided.<br>Buyer Comment (2023-08-10): USA Patriot Act Disclosure uploaded. | 08/14/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607587 |  | 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 was approved with a Loan Designation of Non-QM. The loan is missing documentation to verify the guideline required reserves, borrower's identification, FICO not meeting guidelines and Housing History not meeting guidelines, is causing the loan to waterfall through Non-QM Testing resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded. | 08/16/2023 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 93 (redacted) |  | 34607588 |  | 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 is missing documentation to verify the guideline required reserves, borrower's identification, FICO not meeting guidelines and Housing History not meeting guidelines, is causing the loan to waterfall through Non-QM Testing. |  |  |  | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded. | 08/16/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607589 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months reserves not documented as required per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender identified compensating factor provided.<br>Loan Transaction resulting in [redacted] monthly savings.<br>Lender exception | SitusAMC,Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded.<br>Reviewer Comment (2023-08-04): A Lender Exception was in file, loan did not meet guideline requirements in a number of areas such as credit score, mortgage history and reserves. The only compensating factor that was presented was [redacted] plus years on job, the compensating factor is not compelling. |  |  | 08/16/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607590 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower's mortgage history does not meet guidelines, FICO Score minimum not met and borrower's Identification was not found. | Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has verified disposable income of at least [redacted] . | Lender identified compensating factor provided.<br>Loan Transaction resulting in [redacted] monthly savings.<br>Lender exception | SitusAMC,Originator<br>Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded.<br>Reviewer Comment (2023-08-04): A Lender Exception was in file, loan did not meet guideline requirements in a number of areas such as credit score, mortgage history and reserves. The only compensating factor that was presented was [redacted] plus years on job, the compensating factor is not compelling. |  |  | 08/16/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 93 (redacted) |  | 34607591 |  | 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 is missing documentation to verify the guideline required reserves, borrower's identification, FICO not meeting guidelines and Housing History not meeting guidelines, is causing the loan to waterfall through Non-QM Testing. |  |  |  | Reviewer Comment (2023-08-16): Lender exception provided.<br>Buyer Comment (2023-08-10): UPE Approved PTC by [redacted] with correct CF's uploaded. | 08/16/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607596 |  | 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 1026.43(c)(5) of [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated DTI of [redacted] is above the [redacted] guideline and the Rural property location, is causing the loan to [redacted] through Non-QM Testing. | 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>Miscellaneous<br>Miscellaneous | Lender exception approval provided.<br>Prior Homeownership Experience (No FC or SS)<br>Residual Income Greater than [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-12-21): CF Update<br>Reviewer Comment (2023-08-18): Lender exception approval provided.<br>Buyer Comment (2023-08-14): Addressed in exception [redacted] |  |  | 12/21/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607597 |  | 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 was approved with a Loan Designation of Non-QM. The calculated DTI of [redacted] is above the [redacted] guideline and the Rural property location, is causing the loan to [redacted] through Non-QM Testing resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2023-08-18): Lender exception approval provided.<br>Buyer Comment (2023-08-14): Addressed in exception [redacted] | 08/18/2023 |  |  | 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) | 94 (redacted) |  | 34607598 |  | 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]. | A valid Change of Circumstance was not found for the decrease in the Lender Credit from [redacted] . A tolerance cure is required in the amount of [redacted] percent tolerance fee. |  |  |  | Reviewer Comment (2023-09-07): [redacted] received Letter of Explanation, Copy of cure refund via principal reduction, & Corrected Closing Disclosure.<br>Buyer Comment (2023-09-05): Processed cure attached.<br>Reviewer Comment (2023-08-18): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: 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]<br>Reviewer Comment (2023-08-17): Cure amount calculated as [redacted]<br>Buyer Comment (2023-08-15): The lender credit was changed to[redacted] and disclosed on the initial closing disclosure, due to the rate lock occurring that same date. Therefore the cure amount would be [redacted] . Please confirm [redacted] agrees with this analysis, as we are not requesting the cure until that confirmation is received in order to avoid a poor customer experience. |  | 09/07/2023 |  | 2 C B |  | 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) | 94 (redacted) |  | 34607599 |  | 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]. | The business tax returns provided are not the most recent year[redacted] required. |  |  |  | Buyer Comment (2023-11-16): Borrower filed extension. |  |  | 11/16/2023 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607600 |  | 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 approved the loan with DTI of [redacted] which exceeds the[redacted] guideline. However, the calculated DTI was [redacted] The loan application indicated the [redacted] and [redacted] accounts were to be paid off or at closing. Documentation was not found to support the exclusion and therefore they were included in the calculated DTI. | 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>Miscellaneous<br>Miscellaneous | Lender exception approval provided.<br>Prior Homeownership Experience (No FC or SS)<br>Residual Income Greater than [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-12-21): CF Update<br>Reviewer Comment (2023-08-18): Lender exception approval provided.<br>Buyer Comment (2023-08-14): It does appear these two debts were not paid off as intended by the underwriter, however they do not cause the DTI to exceed the threshold approved by the exception. Please see the attached commentary from internal notes, the exception requested approval of DTI up to[redacted] |  |  | 12/21/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607601 |  | 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. | Debt Ratio exceeds allowable of [redacted] |  |  |  | Reviewer Comment (2023-08-18): Lender exception approval provided.<br>Buyer Comment (2023-08-14): Addressed in exception[redacted] | 08/18/2023 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607602 |  | 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. | Form H-9 should have been utilized for a same lender refinance. Advantage Mortgage is appearing on title as the original lender which is the same as the originating lender of the subject loan. |  |  |  | Buyer Comment (2023-11-16): Courts have accepted H8 in[redacted] , company policy does not require obtaining a new [redacted] in this scenario. |  |  | 11/16/2023 | 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) | 94 (redacted) |  | 34607603 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject is located in a rural area which is not allowed 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>Miscellaneous<br>Miscellaneous | Lender exception approval provided.<br>Prior Homeownership Experience (No FC or SS)<br>Residual Income Greater than [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-12-21): CF Update<br>Reviewer Comment (2023-08-18): Lender exception approval provided.<br>Buyer Comment (2023-08-14): The exception noted in other findings also included an exception for rural property, please waive this finding. |  |  | 12/21/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607604 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Subject is a rural property and the debt ratio exceeds allowable. | 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>Miscellaneous<br>Miscellaneous | Lender exception approval provided.<br>Prior Homeownership Experience (No FC or SS)<br>Residual Income Greater than [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2023-12-21): CF Update<br>Reviewer Comment (2023-08-18): Lender exception approval provided.<br>Buyer Comment (2023-08-14): Addressed in exception [redacted] |  |  | 12/21/2023 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 94 (redacted) |  | 34607605 |  | 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. | [redacted] LE lists fee as a loan origination fee, all LE and CD after this date is listed as broker compensation. |  |  |  | Reviewer Comment (2023-11-10): [redacted] Received Clarification on the fee name used.<br>Buyer Comment (2023-11-09): The [redacted] loan estimate is the broker's loan estimate. The broker marked the fee as a loan origination fee as it is their own fee. When [redacted] began generating LEs on [redacted] accurately marked the fee as "borrower paid broker compensation." There is no material difference in the terms used, and both are accurate as used by the relevant parties. | 11/10/2023 |  |  | 1 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) | 95 (redacted) |  | 34607607 |  | 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 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.) | DTI exceed [redacted] |  |  |  | Reviewer Comment (2023-12-14): Lender Exception with Compensating Factors.<br>Reviewer Comment (2023-12-14): Regraded to [redacted] due to comp factors including saving overall[redacted] a month including debt consolidation, residual income of over [redacted] , living in home for [redacted] years and at their place of business for[redacted] years.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-11): Please see VVOE attached. Loan Processor Verified bwr's employment on [redacted]<br>Reviewer Comment (2023-08-31): Employment clarified. Loan file still missing VVOE dated no more than [redacted] days prior to Note Date. Approval reflect incorrect hire date for Comp Factor.<br>Buyer Comment (2023-08-28): This borrower has been refinanced her property thru us a few times. I found this VOE from an older file which shows that bwr is been working with the same employer since [redacted] The reason for the discrepancy may come from the fact that she changed job title and or position. Please see attached VOE from previous loan. If this VOE does not satisfy exception please advise what other document or information you may need.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] The work number verification indicates the borrower's most recent hire date is[redacted] however, the email verification from [redacted] indicates the most recent hire date is [redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/14/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607608 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted] Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Acknowledgment of the Fair Market Value is missing from the file. |  |  |  | Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided for child support income. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Fair Market Value attached signed by bwr and Lender | 08/25/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 95 (redacted) |  | 34607609 |  | 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 o[redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-09-12): [redacted] Received PCCD, LOE and Payment history<br>Buyer Comment (2023-09-11): Please see PCCD & Pymt History attached showing cure for [redacted]<br>Reviewer Comment (2023-08-24): [redacted] received Changed Circumstance dated [redacted] but it does not give sufficient information on why the Endorsement fee, Tax Certificate fee was increased and the Recording fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-08-23): No Cure need. Increased in settlement charges occurred because LE dated on [redacted] shows a Rate Lock/Lock Extension/Relock and endorsement changes. Please see LE, Proof of deliver and COC letter |  | 09/12/2023 |  | 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) | 95 (redacted) |  | 34607610 |  | 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. | Loan discount point 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 (2023-08-24): [redacted] received Lender detailed comment with Changed Circumstance dated [redacted]<br>Buyer Comment (2023-08-23): Non Cure need. LE dated on [redacted] shows a Rate Lock/Lock extension/Relock. Please see LE, COC and Proof of deliver | 08/24/2023 |  |  | 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) | 95 (redacted) |  | 34607612 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Divorce decree along with [redacted] months payment receipt required. |  |  |  | Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided for child support income. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Divorce Decree attached with Proof of Pymts made for last [redacted] months | 08/25/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607613 |  | 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 ___. | Calculated LTV exceeds maximum guideline LTV. | Miscellaneous<br>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 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. | Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception.<br>Comp factors on lender exception. | SitusAMC,Originator<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Approval reflects incorrect hire date for Comp Factor.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] The work number verification indicates the borrower's most recent hire date is[redacted] however, the email verification from [redacted] indicates the most recent hire date is [redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/13/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607614 |  | 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 ___. | Calculated LTV exceeds maximum guideline LTV. | Miscellaneous<br>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 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. | Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception.<br>Comp factors on lender exception. | SitusAMC,Originator<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Approval reflects incorrect hire date for Comp Factor.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the[redacted] years of employment as a wage earner and the hire date of [redacted] . The work number verification indicates the borrower's most recent hire date is [redacted] however, the email verification from [redacted] indicates the most recent hire date is [redacted]<br>Reviewer Comment (2023-08-25): The lender exception only referenced LTV. Provide updated exception approval for CLTV ratio.<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/13/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607615 |  | 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 exceed maximum DTI of [redacted] | Miscellaneous<br>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 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. | Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception.<br>Comp factors on lender exception. | SitusAMC,Originator<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Approval reflects incorrect hire date for Comp Factor.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] The work number verification indicates the borrower's most recent hire date is [redacted] however, the email verification from [redacted] indicates the most recent hire date is[redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 12/13/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607616 |  | 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 been employed in the same industry for more than [redacted] years.<br>Miscellaneous<br>Borrower has owned the subject property for at least [redacted] years. | Comp factors on lender exception.<br>Overall reduction in monthly debt of [redacted] .<br>Comp factors on lender exception. | Originator,SitusAMC<br>SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2023-08-25): Lender granted exception approval provided.<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded |  |  | 08/25/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607617 |  | 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] |  |  |  | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-18): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-25): Clarification is needed in regards to the [redacted] years of employment as a wage earner and the hire date of [redacted] . The work number verification indicates the borrower's most recent hire date is [redacted] however, the email verification from CoreLogic indicates the most recent hire date is [redacted]<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded | 12/13/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607618 |  | 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] |  |  |  | Reviewer Comment (2023-12-13): Lender exception provided, borrower saving almost [redacted] a month.<br>Reviewer Comment (2023-09-21): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Buyer Comment (2023-09-19): Please see UW Loan Approval attached with compelling compensating factors.<br>Reviewer Comment (2023-09-14): Compensating Factors are not compelling enough to downgrade multiple significant exceptions.<br>Reviewer Comment (2023-08-31): Income documentation missing.<br>Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided for child support income. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Non Agency Loan Approval Summary attached. File was approved for multiple exceptions; No Reserves, DTI & LTV Exceeded | 12/13/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607619 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Child support documents are missing in file. |  |  |  | Reviewer Comment (2023-08-25): Court Registry and Divorce Decree provided. Exception cleared.<br>Buyer Comment (2023-08-23): Please see Divorce Decree and child sup[port pymts attached | 08/25/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607620 |  | 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, lender exception for DTI. |  |  |  | Reviewer Comment (2023-12-14): Loan is Non-QM. | 12/14/2023 |  |  | 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) | 95 (redacted) |  | 34607621 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is not currently employed. |  | Loan file missing VVOE dated no more than [redacted] days prior to Note Date. |  |  |  | Reviewer Comment (2023-09-14): VVOE provided.<br>Buyer Comment (2023-09-11): Please see VVOE attached | 09/14/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 95 (redacted) |  | 34607622 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing VVOE dated no more than [redacted] days prior to Note Date . |  |  |  | Reviewer Comment (2023-09-14): VVOE provided. | 09/14/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607624 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower -[redacted] is missing in loan file, as well as the VVOE in file is missing the phone number of the person providing the verification (employer) and evidence that the employer's telephone number for the borrower's employer was verified independently. Co-Borrower - Provide evidence the borrower has returned to work and is receiving full pay/hours, as most recent paystub reflects borrower out on short term disability with reduced income. |  |  |  | Reviewer Comment (2023-12-12): Start date for [redacted] from [redacted] transcript from Williams International is received for yea[redacted] . Updated 1003 received,[redacted] year employment history met, exception Cleared.<br>Buyer Comment (2023-12-05): No secondary employment considered in qualifying borrower. Please clarify condition, borrower's 1003 updated to support [redacted] years with current employment and qualified with earnings from this employer only<br>Reviewer Comment (2023-11-29): Exception remains Page [redacted] of Equifax VVOE verified for Employer [redacted] and no [redacted] Employer is present on report however VVOE for Employer [redacted] Automotive is unable to verify.<br>Buyer Comment (2023-11-28): [redacted] Automotive not borrower's employer, see page [redacted] of verification with borrower's employer [redacted] which was verified by Equifax<br>Reviewer Comment (2023-11-21): Exception remains - Received VVOE for employer Rheinmetall Automotive which states that unable to verify - Employer Unresponsive.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated [redacted] with employment dates updated. [redacted] not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated [redacted] with employment dates updated. [redacted] not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): [redacted] received and associated in [redacted]. Exception Remains as the VVOE clarification is pending to be clear.<br>Buyer Comment (2023-10-24): borrower[redacted]<br>Reviewer Comment (2023-10-16): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: VVOE - Employment Only, [redacted]<br>Reviewer Comment (2023-10-13): Borrower is currently working at Williams International From[redacted] . Hence total duration of current job is[redacted] years which is less than [redacted] years. So require [redacted] from previous employer [redacted] Automotive. Provide VVOE for borrower in file has missing phone number of person providing the verification and evidence that the employers number for the borrower's employer verified independently. For co-borrower, provide evidence that borrower has returned to work and is receiving full pay/hours, as most recent paystub reflects borrower out on short term disability with reduced income. Exception remains.<br>Buyer Comment (2023-09-29): Disregard note regarding VOE, the work number was for CB not borrower as condition states. Will submit information for that part of the condition<br>Buyer Comment (2023-09-29): VOE indicates number was verified through the work number, form reuploaded for review<br>Buyer Comment (2023-09-29): [redacted] not required, [redacted] prior years earnings documented with [redacted] documents in file. Please review and modify condition if possible. | 12/12/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607625 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted] 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 (2023-10-23): [redacted] Received Payment history, PCCD and LOE.<br>Buyer Comment (2023-10-20): Cure and corrected cd |  | 10/23/2023 |  | 2 C B |  | MI | 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) | 96 (redacted) |  | 34607626 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance violation in the amount of[redacted] with no cure or change of circumstance provided to the borrower. |  |  |  | Reviewer Comment (2023-10-23): [redacted] Received Payment history, PCCD and LOE.<br>Buyer Comment (2023-10-20): Cure and corrected CD<br>Reviewer Comment (2023-10-02): [redacted] : On Initial LE disclosed Title-Settlement fee [redacted] and Title-Lender title fee[redacted] The Total of[redacted] Tolerance fee on LE is[redacted] . whereas on Final CD disclosed as Title-Settlement fee [redacted] Title-Lender title fee [redacted] Title- Notary fee [redacted] , Title - Document preparation fee [redacted] and Recording fee [redacted] . Final CD total of [redacted] Tolerance is[redacted] and provided COC does not give sufficient information for the Doc preparation fee, Notary fee, Recording fee added and Settlement fee increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2023-09-29): Please see COC and updated LE with fee changes applied. Please review for consdiration to remove cure noted |  | 10/23/2023 |  | 2 C B |  | MI | 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) | 96 (redacted) |  | 34607627 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] CMPA Home Loan Toolkit Status | [redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Home loan toolkit was not provided in the file. |  |  |  | Buyer Comment (2023-11-28): Compliance review |  |  | 11/28/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607628 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | File is missing a payoff statement. |  |  |  | Reviewer Comment (2023-10-16): Payoff provided.<br>Buyer Comment (2023-10-03): Payoff uploaded | 10/16/2023 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607629 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Most recent paystub dated [redacted] reflects the borrower as being on Short Term Disability. Provide evidence borrower is working full time and not out on disability or additional documentation may be required. |  |  |  | Reviewer Comment (2023-12-20): An updated 1008 has been provided.<br>Buyer Comment (2023-12-15): updated 1008 uploaded<br>Reviewer Comment (2023-12-15): 1008 reflects prior DTI and shows CB income. Please correct.<br>Buyer Comment (2023-12-05): CB is remaining on loan, income not considered in qualifying.<br>Reviewer Comment (2023-12-04): Provide new Approval, 1008, 1003, income worksheet, and Note without CB on loan.<br>Buyer Comment (2023-11-16): Underwriting exception for DTI, cb income no longer considered in qualifying | 12/20/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607630 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All mortgages and rental payments should be current at time of closing. Credit report and VOR/VOM reflect a past-due status, updated documentation is required to verify account is current. |  |  |  | Reviewer Comment (2023-10-16): Provided. Current. No PPP.<br>Buyer Comment (2023-09-29): Payment history/VOM uploaded | 10/16/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607631 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | All mortgages and rental payments should be current at time of closing. Credit report and VOR/VOM reflect a past-due status, updated documentation is required to verify account is current. |  |  |  | Reviewer Comment (2023-10-16): Provided. Current. No PPP.<br>Buyer Comment (2023-10-03): Verification of mortgage uploaded | 10/16/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607632 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Current employment VVOE for the borrower does not contain all required information and [redacted] for prior employment missing. Need verification the co-borrower is working full-time without reduced hours or wages. |  |  |  | Reviewer Comment (2023-12-12): Start date for[redacted] verified as [redacted] from [redacted] transcript from [redacted] is received for year [redacted] . Updated 1003 received, [redacted] employment history met, exception Cleared.<br>Buyer Comment (2023-12-05): Updated 1003 with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from [redacted] which was pulled prior. Provide Correct dates for prior employment on the 1003 as the [redacted] transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of[redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): [redacted] received and associated in [redacted]. Exception Remains as the VVOE clarification is pending to be clear.<br>Buyer Comment (2023-10-24): [redacted] w2 for borrower<br>Reviewer Comment (2023-10-16): [redacted] years employment not provided for borrower, since [redacted] Transcripts did not reflect income from prior employer and[redacted] not in file. Provide VVOE to verify prior employment.<br>Buyer Comment (2023-10-05): Please clarify why[redacted] provided | 12/12/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607633 |  | 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. | Provide evidence the borrower received a copy of the appraisal at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2023-11-02): [redacted]<br>Reviewer Comment (2023-10-26): Provided disclosure summary reflects the appraisal was delivered to borrower on [redacted] however an updated appraisal was completed on [redacted] . Need evidence that the borrower received a copy of the latest appraisal at least[redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2023-10-20): original appraisal received by borrower<br>Buyer Comment (2023-10-20): updated appraisal report received by borrower |  |  | 11/02/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607634 |  | 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. | Provide evidence the borrower received a copy of the appraisal at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-04): Exception Cleared Proof of Appraisal Delivery Provided and updated.<br>Buyer Comment (2023-11-16): updated appraisal delivered to borrower<br>Reviewer Comment (2023-11-16): Waived in error.<br>Buyer Comment (2023-11-02): [redacted]<br>Reviewer Comment (2023-10-26): Provided disclosure summary reflects the appraisal was delivered to borrower on [redacted] however an updated appraisal was completed on[redacted] . Need evidence that the borrower received a copy of the latest appraisal at least [redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2023-10-20): revised appraisal receipt by borrower<br>Reviewer Comment (2023-10-16): Provide a copy of the appraisal delivered [redacted] , and provide delivery of the [redacted] report.<br>Buyer Comment (2023-09-29): Evidence of appraisal delivery uploaded | 12/04/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607635 |  | 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. | Provide evidence the borrower received a copy of the appraisal at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2023-12-04): Exception Cleared Proof of Appraisal Delivery Provided and updated.<br>Buyer Comment (2023-11-16): Updated appraisal delivery uploaded<br>Reviewer Comment (2023-11-16): waived in error<br>Buyer Comment (2023-11-02): x<br>Reviewer Comment (2023-10-26): Provided disclosure summary reflects the appraisal was delivered to borrower on [redacted] however an updated appraisal was completed on [redacted] . Need evidence that the borrower received a copy of the latest appraisal at least [redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2023-10-20): Initial appraisal report<br>Buyer Comment (2023-10-20): receipt of updated appraisal report<br>Reviewer Comment (2023-10-16): Provide a copy of the appraisal delivered [redacted] and provide delivery of the[redacted] report.<br>Buyer Comment (2023-09-29): Evidence of appraisal delivery uploaded | 12/04/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607636 |  | 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 is ab ATR Risk due to excessive DTI. An exception was requested with compensating factors. Compensating factors show [redacted] Plus Years on Job. Please provide an updated Underwriting Exception details sheet that removesthe [redacted] Years on Job as this applies to the Borrower whose income is no longer being considered, as updated on the re-sent 1008. |  |  |  | Reviewer Comment (2023-12-27): Non-QM based on DTI exception waived with compensating factors.<br>Buyer Comment (2023-12-21): Updated exception approval removing comp factor for [redacted] years on the job for cb whose income/employment was not considered<br>Reviewer Comment (2023-12-20): Loan is ab ATR Risk due to excessive DTI. An exception was requested with compensating factors. Compensating factors show [redacted] Years on Job. Please provide an updated Underwriting Exception details sheet that removesthe [redacted] Years on Job as this applies to the Borrower whose income is no longer being considered, as updated on the re-sent 1008.<br>Buyer Comment (2023-12-15): Installment debt omitted, payments due in less than [redacted] months<br>Reviewer Comment (2023-12-15): VVOE provided, CB removed. Updated Approval, Comp Factors, and 1008 required. Borrower has only been on job [redacted] years, not [redacted] auto not paid at close, correct 1003 and 1008 to reflect debt added back in and corrected DTI. Approval to reflect updated DTI.<br>Buyer Comment (2023-12-05): Updated 1003 with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from TWN which was pulled prior. Provide Correct dates for prior employment on the 1003 as the [redacted] transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): W-2 transcripts reflect [redacted] income from the borrower's current employer, yet VVOE indicates start date is[redacted] . Documentation requested to verify [redacted] income/employment. Prior employment documentation missing. VVOE needed to support [redacted] years employment.<br>Buyer Comment (2023-10-20): VVOE for borrower with details<br>Buyer Comment (2023-10-20): Please clarify why [redacted] is requested, [redacted] years earnings documented | 12/27/2023 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 96 (redacted) |  | 34607637 |  | 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.) | Guideline Deficiency due to current employment VVOE for the borrower does not contain all required information and [redacted] W2 for prior employment missing. Need verification the co-borrower is working full-time without reduced hours or wages. |  |  |  | Reviewer Comment (2023-12-20): Coborrower income was removed.<br>Buyer Comment (2023-12-15): Installment debt omitted, payments due in less than [redacted] months<br>Reviewer Comment (2023-12-15): VVOE provided, CB removed. Updated Approval, Comp Factors, and 1008 required. Borrower has only been on job [redacted] years, not [redacted] auto not paid at close, correct 1003 and 1008 to reflect debt added back in and corrected DTI. Approval to reflect updated DTI.<br>Buyer Comment (2023-12-05): Updated 1003 with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer. CB not removed from transaction, only removing her income from qualifying.<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from TWN which was pulled prior. Provide Correct dates for prior employment on the 1003 as the [redacted] transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): Prior employment documentation missing. VVOE needed to support [redacted] employment. Current VVOE received.<br>Buyer Comment (2023-10-20): VVOE details for borrower<br>Buyer Comment (2023-10-20): disregard question, i see comment on a different condition<br>Buyer Comment (2023-10-20): Please clarify the reason[redacted] is requested,[redacted] earnings documented | 12/20/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607638 |  | 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. | Investor Guidelines Violation because current employment VVOE for the borrower does not contain all required information and[redacted] for prior employment missing. Need verification the co-borrower is working full-time without reduced hours or wages. |  |  |  | Reviewer Comment (2023-12-20): Exception for Investor qualifying total debt ratio discrepancy has been waived.<br>Buyer Comment (2023-12-15): [redacted] auto omitted, payments due are less than [redacted] months<br>Reviewer Comment (2023-12-15): VVOE provided, CB removed. Updated Approval, Comp Factors, and[redacted] required. Borrower has only been on job[redacted] years, no[redacted] auto not paid at close, correct 1003 and 1008 to reflect debt added back in and corrected DTI. Approval to reflect updated DTI.<br>Buyer Comment (2023-12-05): Updated [redacted] with employment history uploaded in prior submission [redacted] including correct dates of employment with current employer. Please review upload. Tax transcripts support employment history and the work number voe includes actual verification of employment on page [redacted] with current employer<br>Reviewer Comment (2023-12-04): Provide clarification as to why the most recent VVOE completed contains information different from TWN which was pulled prior. Provide Correct dates for prior employment on the 1003 as the W2 transcripts do not reflect any income from that employer. Provide updated information requested for removing the co borrower.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Buyer Comment (2023-11-15): Please see WVOE with start date of [redacted] supporting over [redacted] years of employment at current employer and updated 1003 with employment dates updated. 1003 not signed since updated information was not material to transaction. Please review for consideration of waiving condition.<br>Reviewer Comment (2023-10-26): Prior employment documentation missing. VVOE needed to support [redacted] years employment. Current VVOE received.<br>Buyer Comment (2023-10-20): VVOE for borrower including details<br>Buyer Comment (2023-10-20): Disregard question, I see comment on a different condition regarding this<br>Buyer Comment (2023-10-20): Please clarify the need for [redacted] years employment earnings verified in file [redacted] , what is the reason we need [redacted] | 12/20/2023 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607640 |  | 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 ___. | DTI exceeds Guidelines. Updated Approval with corrected CF and DTI required. Updated [redacted] with debts paid at close corrected. | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Housing Ratio [redacted] or less.<br>Additional income not being used in qualifying (disability). | Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-02-14): Lender Exception with Compensating Factors.<br>Reviewer Comment (2023-12-20): Regraded with Compensating Factors. Excessove DTI to be reviewed by Compliance.<br>Reviewer Comment (2023-12-20): Regraded with Compensating Factors. Excessove DTO to be reviewed by Compliance.<br>Reviewer Comment (2023-12-20): Housing Ratoo [redacted] or less<br>Buyer Comment (2023-12-15): UPE approved PTC<br>Buyer Comment (2023-12-15): Updated 1008/1003 uploaded with debts reported to be paid and what is remaining for qualifying |  |  | 12/20/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607641 |  | 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 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.) | Co-Borrower incone was no longer used to qualify resulting in a high DTI. An exception was requested with compensating factors. |  |  |  | Reviewer Comment (2023-12-28): Exception waived with compensating factors.<br>Reviewer Comment (2023-12-27): DTI exception waived with compensating factors.<br>Reviewer Comment (2023-12-26): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay [redacted] : 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 [redacted]<br>Buyer Comment (2023-12-21): exception for DTI due to removing cb income/employment from qualifying |  |  | 12/28/2023 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 96 (redacted) |  | 34607642 |  | 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 (2024-02-29): Property Inspection report received and uploaded. Exception Cleared<br>Buyer Comment (2024-02-26): FEMA report uploaded | 02/29/2024 |  |  | 1 A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 97 (redacted) |  | 34607643 |  | 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 | The Closing Disclosure with date issued of[redacted] reflects an APR of [redacted] The final Closing Disclosure dated[redacted] reflected an increase in APR to [redacted] . The borrower must receive any increases in APR at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2024-08-07): Outside SOL regraded.<br>Reviewer Comment (2024-08-07): outside SOL<br>Buyer Comment (2023-12-22): CI<br>Reviewer Comment (2023-11-21): A decrease in APR took place on [redacted] per the CD. The APR change was more than .[redacted] up or down from the previous APR. The decreased disclosed APR was not received by the borrower [redacted] or more days prior to closing. Closing took place on[redacted] CD dated [redacted] disclosed an APR of [redacted] , The CD dated [redacted] disclosed an APR of[redacted] The [redacted] CD is not signed and the mailbox rule would indicate the CD with the change in APR% dated [redacted] was not received three or more days prior to closing. The finance charge also increased meaning a three day waiting period is required under [redacted] since the disclosed APR on the final CD is [redacted] of a percent above or below the APR on the prior CD it was not based on an overstated finance charge. Finance charges increased which confirms they were not overstated. Therefore, an additional [redacted] day waiting period is required pursuant to [redacted] which refers to [redacted] to determine if APR became inaccurate. This is a timing exception with no visible means of cure. Change in loan terms is the driver for the change in APR%. Three day waiting period was required.<br>Reviewer Comment (2023-11-20): If the overstated APR was based on an overstated finance charge amount, then the additional [redacted] day waiting period would not be required. If this is not the case, then the [redacted] day wait would be required. The APR disclosed on the final CD[redacted] is considered to have become INACCURATE as compared to the APR disclosed on the prior CD[redacted] as defined under [redacted] since the disclosed APR on the final CD is [redacted] of a percent above or below the APR on the prior CD it was not based on an overstated finance charge. Finance charges increased which confirms they were not overstated. Therefore, an additional [redacted] day waiting period is required pursuant to [redacted] which refers to [redacted] to determine if APR became inaccurate. The example provided in the CFPB FAQ indicates that if both the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Importantly, the CFPB FAQ example referenced states "if the APR AND finance charge are overstated because the interest rate has decreased, the APR is considered accurate". This means both the APR and the finance charge must be overstated for this tolerance provision to apply. The tolerance provision under [redacted] and [redacted] which is the basis for the CFPB FAQ example is not applicable to this transaction. The change was not received timely and there is no visible cure for the exception.<br>Reviewer Comment (2023-11-02): [redacted] received rebuttal that the decrease in APR is due to lowering finance charges and does not require [redacted] day. However, If the overstated APR was based on an overstated finance charge amount, then the additional [redacted] day waiting period would not be required. If this is not the case, then the [redacted] day wait would be required. On this loan, the APR became inaccurate from the [redacted] because of changes to the loan terms (loan amount change). Accordingly, the APR disclosed on the [redacted] is considered to have become INACCURATE as compared to the APR disclosed on the prior CD as defined under [redacted] since the disclosed APR on the final CD is[redacted] of a percent above or below the APR on the prior CD it was not based on an overstated finance charge. Therefore, an additional [redacted] day waiting period is required pursuant to [redacted] to determine if APR became inaccurate. The fact the APR decreased is not, in and of itself, enough to not require a new [redacted] day waiting period. It would depend on the circumstances under why the APR was overstated to begin with. As the finance charge disclosed to the consumer on the[redacted] CD was less than the finance charge disclosed to the consumer on the [redacted] CD, the overstated APR was not based on the overstated finance charge. Understanding the risk is less with an overstated APR, the timing considerations were not met and the exception is valid. The [redacted] would of needed to allow for a [redacted] business day waiting period prior to closing.<br>Buyer Comment (2023-10-31): The decrease in APR is due to lowering finance charges which is allowable and does not require a new[redacted] day waiting period per the CFPB. <br>• The CD dated [redacted] had a loan amount of[redacted] and loan fees of approximately [redacted] <br> • The CD dated [redacted] did increase the loan amount to [redacted] but the lowering of the finance charges drove the drop in APR to [redacted] . The difference in loan amount only creates a [redacted] drop. The lowering of the finance charges accounts for[redacted] <br> • The consummation CD dated [redacted] had an ARP of [redacted] which is onl[redacted] higher than the previous CD [redacted] lower than the [redacted] . A new waiting period would not be required in either case.<br>Reviewer Comment (2023-10-26): [redacted] received disclosure tracking related to [redacted] disclosures. However, the issue is related to the[redacted]APR [redacted] which the APR changed over[redacted] from the prior [redacted] CD APR [redacted] CD received on [redacted] , however, this did not allow the [redacted] business day waiting period prior to closing date. timing not met.<br>Buyer Comment (2023-10-24): Expedite audit supporting delivery of [redacted] CD with increased APR fees<br>Buyer Comment (2023-10-24): Expedite audit supporting delivery of [redacted] with increased APR fees<br>Reviewer Comment (2023-10-12): the [redacted] CD shows a reduction in the APR to [redacted] The CD was received on [redacted] and closing took place on[redacted] The borrower was not allowed a [redacted] day waiting period. This is a timing exception with no visible means of cure.<br>Buyer Comment (2023-10-10): Audit trail supporting closing disclosure submitted and received by borrower[redacted] |  |  | 08/07/2024 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| (redacted) | 97 (redacted) |  | 34607644 |  | 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. | A valid Change of Circumstance was not found . [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. |  |  |  | Reviewer Comment (2023-11-28): [redacted] Received PCCD, loe and payment history<br>Buyer Comment (2023-11-27): Updated Cure and CD uploaded<br>Reviewer Comment (2023-10-31): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction [redacted] which is insufficient to Cure for the Loan Discount point fee and Appraisal fee exceeds 0% tolerance of [redacted] Appraisal fee). Please provide additional cure [redacted] with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2023-10-30): Cure and CD supporting cure<br>Reviewer Comment (2023-10-25): [redacted] Received Event log; however, it doesn't give sufficient information for increased Discount point on LE dated [redacted] and CD dated [redacted] Please provide valid COC documents with sufficient information on why the fee was increased or cure is required. Cure consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2023-10-24): Per COC[redacted] was initial rate lock<br>Reviewer Comment (2023-10-19): [redacted] received generic letter for LE dated [redacted] it doesn't give sufficient information on why discount points increased to [redacted] . Please provide valid COC for increase to [redacted] and cure documents for remaining amount as stated in comment. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2023-10-17): Baseline based on LE dated [redacted] cure for cd consummation disc pt charged [redacted]<br>Reviewer Comment (2023-10-17): [redacted] received LE dated [redacted] however we require valid COC document for LE dated [redacted] and CD dated [redacted] . On LE dated [redacted] fee increased to [redacted] and then again increased to [redacted] on CD dated [redacted] Please provide valid COC documents with sufficient information on why the fee was increased or cure is required. Cure consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2023-10-16): CD and LE submitted for consideration to update baseline to [redacted]<br>Buyer Comment (2023-10-16): CD and LE submitted for consideration to update baseline to[redacted] |  | 11/28/2023 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 97 (redacted) |  | 34607645 |  | 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. | A valid Change of Circumstance was not found. [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. |  |  |  | Reviewer Comment (2023-11-28): [redacted] Received PCCD, loe and payment history<br>Buyer Comment (2023-11-27): Updated CD and cure uploaded<br>Reviewer Comment (2023-10-31): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction [redacted] , which is insufficient to Cure for the Loan Discount point fee and Appraisal fee exceeds 0% tolerance of [redacted] Appraisal fee). Please provide additional cure [redacted] with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2023-10-30): cure and cd with cure |  | 11/28/2023 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 97 (redacted) |  | 34607646 |  | 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 H-9 form was used, the H-8 form should have been used. | 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 H-9 form was used, the H-8 form should have been used. |  |  |  | Reviewer Comment (2023-11-03): Provided the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br>Buyer Comment (2023-10-30): [redacted] was reponed and re-signed<br>Reviewer Comment (2023-10-26): Received Right to Cancel form H-8 is correctly; however, the right to cancel expiration date is post dated as [redacted] Exception remains.<br>Buyer Comment (2023-10-17): Signed updated [redacted] forms<br>Buyer Comment (2023-10-17): [redacted] label and letter to borrower requesting signed updated [redacted] document |  | 11/03/2023 |  | 2 C B |  | TN | 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) | 97 (redacted) |  | 34607648 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines require [redacted] months reserves. No documented reserves were 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | Prior Homeownership experience (not resulting In FC or SS)<br>[redacted] plus years on Job | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-02-15): Comp factors used to waive exception<br>Buyer Comment (2024-02-01): Updated exception uploaded with monthly savings removed<br>Buyer Comment (2024-02-01): Per flex ad exception policy; present housing payment + monthly payment of otehr debts paid in full with loan proceeds - proposed payment;[redacted] savings<br>Reviewer Comment (2023-12-27): Comp Factors are incorrect. No monthly savings to borrower. Please remove.<br>Buyer Comment (2023-12-22): Updated approval including notation, [redacted] approved comp factors/exception<br>Reviewer Comment (2023-12-10): No monthly savings. Comp Factor still listed on the Approval.<br>Buyer Comment (2023-12-01): Updated exception approval uploaded<br>Reviewer Comment (2023-10-30): The consumer debt is being paid off however the housing payment is increasing where there is no monthly savings.<br>Buyer Comment (2023-10-24): Total savings after closing including payoff of debt[redacted] month<br>Reviewer Comment (2023-10-23): Total prior debts were[redacted] , new debts are [redacted] Debts increased by [redacted] Comp Factor not valid.<br>Reviewer Comment (2023-10-18): Approved Exception as per approval document[redacted] however[redacted] months reserve required as per guidelines. Exception Cleared.<br>Buyer Comment (2023-10-10): UPE approved PTC |  |  | 02/15/2024 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 97 (redacted) |  | 34607649 |  | 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 borrower's FICO of [redacted] does not meet the minimum guideline FICO Score 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | Prior Homeownership experience (not resulting In FC or SS)<br>[redacted] plus years on Job | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-02-15): Comp factors used to waive exception<br>Buyer Comment (2024-02-01): Updated exception uploaded with monthly savings removed<br>Buyer Comment (2024-02-01): Per flex ad exception policy; present housing payment + monthly payment of otehr debts paid in full with loan proceeds - proposed payment;[redacted] savings<br>Reviewer Comment (2023-12-27): Comp Factors are incorrect. No monthly savings to borrower. Please remove.<br>Buyer Comment (2023-12-22): Updated exception including notation [redacted] approved exception/comp factors<br>Reviewer Comment (2023-12-10): No monthly savings. Comp Factor still listed on the Approval.<br>Buyer Comment (2023-12-01): updated exception approval<br>Reviewer Comment (2023-10-30): The consumer debt is being paid off however the housing payment is increasing where there is no monthly savings.<br>Buyer Comment (2023-10-24): total savings includes payoff of debt, overall savings with loan transaction is[redacted] month<br>Reviewer Comment (2023-10-23): Total prior debts were [redacted] , new debts are [redacted] . Debts increased by [redacted] Comp Factor not valid.<br>Buyer Comment (2023-10-10): UPE approved PTC |  |  | 02/15/2024 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 97 (redacted) |  | 34607650 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The Borrower Identification was not provided as required per guidelines. |  |  |  | Reviewer Comment (2023-10-18): Verification of Identification document received, data verified. Exception Cleared.<br>Buyer Comment (2023-10-10): [redacted] Patriot Act | 10/18/2023 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607652 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2023-10-18): Provided. Cleared.<br>Buyer Comment (2023-10-05): Attached | 10/18/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607653 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing |  |  |  | Reviewer Comment (2023-10-18): Provided. leared.<br>Buyer Comment (2023-10-05): FNMA CU score attached. | 10/18/2023 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607654 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's is missing |  |  |  | Reviewer Comment (2023-10-18): 1003 provided.<br>Buyer Comment (2023-10-17): Initial 1003 uploaded | 10/18/2023 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607655 |  | 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. | The file is missing evidence of when the borrower received the appraisal. |  |  |  | Buyer Comment (2023-11-13): clerical changes<br>Reviewer Comment (2023-11-02): Provide evidence of [redacted] Appraisal Report delivery.<br>Buyer Comment (2023-10-25): Attached audit log showing appraisal delivered[redacted] |  |  | 11/13/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607656 |  | 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. |  |  |  |  | Reviewer Comment (2023-10-18): Received Acknowledgment of Receipt of Appraisal Report.<br> Exception Cleared.<br>Buyer Comment (2023-10-05): Evidence of appraisal delivery attached to exception [redacted] | 10/18/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607657 |  | 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 (2023-10-18): Received Acknowledgment of Receipt of Appraisal Report.<br> Exception Cleared.<br>Buyer Comment (2023-10-05): Log showing delivery attached. | 10/18/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | The initial application is missing from the loan file. |  |  |  | Reviewer Comment (2023-10-09): [redacted] received[redacted]<br>Buyer Comment (2023-10-06): [redacted] loan estimate corresponding to application date attached.<br>Reviewer Comment (2023-10-06): [redacted] received LO signed copy of the Initial 1003 dated[redacted] . But, The timing for the LE under [redacted] is [redacted] business days from application. The initial LE in the transaction is dated [redacted] was signed by borrower. On this loan, the LE should have been issued within [redacted] business days of the broker application date of [redacted]<br>Buyer Comment (2023-10-05): Initial 1003 attached. | 10/09/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607660 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The initial application is missing from the loan file. |  |  |  | Reviewer Comment (2023-10-09): [redacted] received [redacted] | 10/09/2023 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607661 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | The initial application is missing from the loan file. |  |  |  | Reviewer Comment (2023-10-09): [redacted] received[redacted]<br>Buyer Comment (2023-10-05): Evidence of appraisal delivery attached to exception [redacted] | 10/09/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 98 (redacted) |  | 34607662 |  | 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] plus [redacted] Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-10-25): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-10-23): Attached completed cure documentation, total cure [redacted]<br>Reviewer Comment (2023-10-10): [redacted] agreed that the LE dated [redacted] fee name described as "Verification fee and Verification of Employment fee" in the amount of [redacted] . But, the below lender comment Title - Document preparation fee in the amount of [redacted] added on initial CD and paid to Title services. Moreover, we are not able to confirm that the Verification fee and VOE fee is equivalent to a Document preparation fee without any proof or supporting documents. Hence, we also required LOE for attestation comment indicating reason on why the fee name changed on CD or Cure is required to borrower.<br>Buyer Comment (2023-10-06): Appears the "initial LE" being reviewed was the [redacted] , which disclosed [redacted] "Verification Fees." Attached Broker's Initial LE to finding [redacted] , which shows the [redacted] "Verification of Employment Fee" described. Please confirm whether this is equivalent to a document preparation fee. No need to list other fees, the question only pertains to this item. CMS concurs on the other fee discrepancies.<br>Reviewer Comment (2023-10-06): [redacted] : On Initial LE disclosed Title-Endorsement fee[redacted] Title-Lender title fee [redacted] , Title-Examination fee [redacted] , Title - Abstract fee [redacted] and Recording fee [redacted] . The Total of [redacted] Tolerance fee on LE is[redacted] .4. whereas on Final CD Title-Endorsement fee [redacted] , Title-Lender title fee [redacted] 0, Title-Examination fee[redacted] , Title - Abstract fee [redacted] , Title - Docs preparation fee [redacted] , Title - Courier fee [redacted] and Recording fee[redacted] . Final CD total of[redacted] Tolerance is[redacted] . Document Preparation fee [redacted] Lender's Title insurance fee [redacted] , Courier fee [redacted] and recording fee [redacted] was added and increased on [redacted] CD. There is no valid COC in file for the fee added and increased, which increased over the [redacted] tolerance. Please valid COC with additional information for the fees were added and increased or Cure would be due to borrower.<br>Buyer Comment (2023-10-05): Appears the [redacted] Document Preparation Fee was disclosed as a Verification of Employment Fee on the initial LE. Please confirm whether this is acceptable as a resolution to that amount of fee discrepancy, as the answer will impact the total cure calculation. |  | 10/25/2023 |  | 2 C B |  | FL | 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) | 98 (redacted) |  | 34607663 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] received [redacted] . Missing valid changed circumstance for adding fee on revised LE. |  |  |  | Reviewer Comment (2023-10-25): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-10-24): Cure attached to finding [redacted] |  | 10/25/2023 |  | 2 B |  | FL | 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) | 98 (redacted) |  | 34607664 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted] received [redacted] Missing valid changed circumstance for adding fee on revised LE. |  |  |  | Reviewer Comment (2023-10-25): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-10-24): Cure attached to finding [redacted] |  | 10/25/2023 |  | 2 B |  | FL | 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) | 98 (redacted) |  | 34607666 |  | 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. |  |  |  |  | Buyer Comment (2023-12-11): [redacted]<br>Reviewer Comment (2023-12-07): As per Compliance requirement we require Proof of appraisal delivery report to borrower of appraisal effective date [redacted] to clear this exception. Exception Remains.<br>Buyer Comment (2023-12-01): Effective date of valuation was [redacted] signature date was [redacted] , delivered to applicant [redacted] , appraisal correction signed [redacted] Log showing delivery attached. |  |  | 12/11/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| (redacted) | 99 (redacted) |  | 34607670 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 1[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) | 99 (redacted) |  | 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) | 99 (redacted) |  | 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]Constitution Section 50(a)(6): 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) | 99 (redacted) |  | 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) | 99 (redacted) |  | 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) | 100 (redacted) |  | 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 2 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) | 100 (redacted) |  | 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) | 100 (redacted) |  | 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) | 100 (redacted) |  | 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) | 100 (redacted) |  | 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) | 100 (redacted) |  | 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) | 100 (redacted) |  | 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) | 100 (redacted) |  | 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) | 101 (redacted) |  | 34607688 |  | 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 at least [redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2024-02-28): Documents received, system cleared.<br>Buyer Comment (2024-02-21): Please see the attached documents. Proof of appraisal delivery to bwr on [redacted] | 02/28/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607689 |  | 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. | 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. |  |  |  | Reviewer Comment (2024-02-28): Documents received, system cleared.<br>Buyer Comment (2024-02-21): Please see the attached documents. Proof of appraisal delivery to bwr on [redacted] | 02/28/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607690 |  | 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. | Verification appraisal was delivered to borrower at least[redacted] business days prior to closing was not provided. |  |  |  | Reviewer Comment (2024-02-28): Documents received, system cleared.<br>Buyer Comment (2024-02-21): Please see the attached documents. Proof of appraisal delivery to bwr on [redacted] | 02/28/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607691 |  | 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. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk due to the DTI and reserves issue. |  |  |  | Reviewer Comment (2024-03-04): Loan is NonQM<br>Buyer Comment (2024-02-28): Please see an updated UW Approval showing the correct LTV percentage.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not[redacted] , please correct.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to[redacted] | 03/04/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 101 (redacted) |  | 34607692 |  | 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 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] |  |  |  | Reviewer Comment (2024-02-23): [redacted] received VCC.<br>Buyer Comment (2024-02-21): No Cure is needed. Lender credit was applied to the file on the LE dated [redacted] due to rate lock/lock extension/relock. Please see attached LE, COC, Rate lock, proof of delivery, | 02/23/2024 |  |  | 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) | 101 (redacted) |  | 34607693 |  | 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 $0[redacted]00 plus [redacted]% or [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] fee tolerance exceeded by [redacted] . Title fees were not listed on the initial LE. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2024-02-22): [redacted] received PCCD, LOE, copy of refund check and proof of delivery. Cure provided before discovery date.<br>Buyer Comment (2024-02-21): Please see PCCD, Check, [redacted] Tracking, and proof of delivery attached. A cure for [redacted] was done on this file which included [redacted] for the appraisal fee, [redacted] for the Guaranty fee, and [redacted] for an increase in settlement charges with a no valid COC | 02/22/2024 |  |  | 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) | 101 (redacted) |  | 34607694 |  | 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]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2024-02-22): [redacted] received PCCD, LOE, copy of refund check and proof of delivery. Cure provided before discovery date.<br>Buyer Comment (2024-02-21): Please see PCCD, Check, [redacted] Tracking, and proof of delivery attached. A cure for [redacted] was done on this file which included[redacted] for the appraisal fee, [redacted] for the Guaranty fee, and [redacted] for an increase in settlement charges with a no valid COC | 02/22/2024 |  |  | 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) | 101 (redacted) |  | 34607695 |  | 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 ___. | DTI exceeds allowable. | Borrower has owned the subject property for at least [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] . | Ownership of the subject since [redacted] .<br>Loan transaction results in total monthly payment savings of [redacted] .<br>LTV [redacted] below guideline LTV ([redacted] LTV) | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-03-04): Comp factor update<br>Reviewer Comment (2024-03-03): Lender Exception with Compensating Factors<br>Buyer Comment (2024-02-28): Please see an updated UW Approval showing the correct LTV percentage.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not [redacted] , please correct.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to [redacted] |  |  | 03/04/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607696 |  | 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 requirement not met. | Borrower has owned the subject property for at least [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] . | Ownership of the subject since [redacted] .<br>Loan transaction results in total monthly payment savings of [redacted] .<br>LTV [redacted] below guideline LTV ([redacted] LTV) | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-03-04): Comp factor update<br>Reviewer Comment (2024-03-03): Lender Exception with Compensating Factors<br>Buyer Comment (2024-02-28): Please see an updated UW Approval showing the correct LTV percentage.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not [redacted] , please correct.<br>Reviewer Comment (2024-02-28): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of is less than Guideline PITIA months reserves of[redacted]<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to [redacted] |  |  | 03/04/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607697 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk due to the DTI and reserves issue. |  |  |  | Reviewer Comment (2024-03-03): Documents received, system cleared.<br>Buyer Comment (2024-02-28): Please see an updated UW Approval showing the correct LTV percentage.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not [redacted] , please correct.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to [redacted] | 03/03/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607698 |  | 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 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.) | Reserves and DTI do not meet Guidelines requirements. | Borrower has owned the subject property for at least [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] . | Ownership of the subject since [redacted] .<br>Loan transaction results in total monthly payment savings of [redacted] .<br>LTV [redacted] below guideline LTV ([redacted] LTV) | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-03-04): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-03-04): Comp factor update<br>Buyer Comment (2024-02-28): Please see an updated UW Approval showing the correct LTV percentage.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not [redacted] , please correct.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to [redacted] |  |  | 03/04/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607699 |  | 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 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Missing fully executed disclosure. |  |  |  | Reviewer Comment (2024-02-28): Documents received, system cleared.<br>Buyer Comment (2024-02-21): Please see the Fair Market Value attached signed by the lender and borrower. | 02/28/2024 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | 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 C | Non QM | Non QM | Yes |
| (redacted) | 101 (redacted) |  | 34607700 |  | 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] Guaranty Fee. Fee Amount of [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was not disclosed on the initial Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2024-02-22): [redacted] received PCCD, LOE, copy of refund check and proof of delivery. Cure provided before discovery date.<br>Buyer Comment (2024-02-21): Please see PCCD, Check, [redacted] Tracking, and proof of delivery attached. A cure for [redacted] was done on this file which included [redacted] for the appraisal fee, [redacted] for the Guaranty fee, and [redacted] for an increase in settlement charges with a no valid COC | 02/22/2024 |  |  | 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) | 101 (redacted) |  | 34607701 |  | 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 H-9 form was used, the H-8 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-8 Form must be used as lender is not the same as originating lender. |  |  |  | Reviewer Comment (2024-03-13): Cure docs received<br>Buyer Comment (2024-03-11): Please see the attached documents that include [redacted] signed and dated by both borrowers, LOE letter submitted to our borrower, [redacted] Labels, and proof of delivery. |  | 03/13/2024 |  | 2 C 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 C | Non QM | Non QM | Yes |
| (redacted) | 101 (redacted) |  | 34607702 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | Reviewer Comment (2024-02-28): Documents received, system cleared.<br>Buyer Comment (2024-02-21): Please see Payoff statement attached | 02/28/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607703 |  | 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 50(a)(6): 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. | Disclosure missing. |  |  |  | Reviewer Comment (2024-02-28): Documents received, system cleared.<br>Buyer Comment (2024-02-21): Please see the Notice Concerning extension of Credit attached. | 02/28/2024 |  |  | 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) | 101 (redacted) |  | 34607704 |  | 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.) | This is due to insufficient reserves. |  |  |  | Reviewer Comment (2024-03-03): Documents received, system cleared.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not [redacted] , please correct.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to [redacted] | 03/03/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607705 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing sufficient assets to satisfy the [redacted] months reserves requirement. |  |  |  | Reviewer Comment (2024-03-03): Documents received, system cleared.<br>Reviewer Comment (2024-02-28): LTV is [redacted] below GL, not [redacted] , please correct.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to[redacted] | 03/03/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607706 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated Approval required verifying item for Lender Exception, Reserves or the Credit Score. Please clarify. | Borrower has owned the subject property for at least [redacted] years.<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted] . | Ownership of the subject since [redacted] .<br>Loan transaction results in total monthly payment savings of [redacted] .<br>LTV [redacted] below guideline LTV ([redacted] LTV) | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-03-04): Comp factor update<br>Reviewer Comment (2024-03-03): Lender Exception with Compensating Factors<br>Reviewer Comment (2024-02-28): Approval unclear. Please state clearly if there is to be a FICO exception to use cash-out as reserves, or if the score is satisfactory and the exception is for reserves.<br>Buyer Comment (2024-02-21): Please see the Non-Agency Loan Approval Summary attached. This file was approved to use cash-out proceeds as cash reserves also approved for exceeding DTI guidelines to [redacted] |  |  | 03/04/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 101 (redacted) |  | 34607707 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-02-23): Sufficient Cure Provided within[redacted] Days of Closing |  | 02/23/2024 |  | 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) | 101 (redacted) |  | 34607708 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-02-23): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/23/2024 |  | 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) | 101 (redacted) |  | 34607709 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure -[redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-02-23): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/23/2024 |  | 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) | 102 (redacted) |  | 34607712 |  | 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. | 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 COC for this fee, insufficient cure provided at closing. |  |  |  | Reviewer Comment (2024-05-07): [redacted] received lender detailed rebuttal comment with supporting rate lock confirmation for the fee was increased.<br>Buyer Comment (2024-05-03): First[redacted] increasing discount points to [redacted] was for rate lock on [redacted] , CD and relevant rate lock attached. Next COC was later same day for adding the underwriting exception to allow cash-out for reserves with FICO below [redacted] , disclosed on the following day[redacted] CD and relevant rate lock attached. | 05/07/2024 |  |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 102 (redacted) |  | 34607713 |  | 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 (2024-05-07): Delivery provided. System Cleared<br>Buyer Comment (2024-05-03): Attached to exception ID [redacted] | 05/07/2024 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 102 (redacted) |  | 34607714 |  | 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. |  |  |  |  | Reviewer Comment (2024-05-07): Delivery provided. System Cleared<br>Buyer Comment (2024-05-03): Attached to exception ID [redacted] | 05/07/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 102 (redacted) |  | 34607715 |  | 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 (2024-05-06): Exception cleared. Documents received and updated correctly.<br>Buyer Comment (2024-05-03): Attached log showing appraisal was delivered[redacted] | 05/06/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 102 (redacted) |  | 34607716 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Borrower did not meet the minimum credit score of [redacted] to use cash proceeds for reserves. | 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>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrower has a clean housing payment history<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Borrower has been on job [redacted] years.<br>Residual income > than guideline requirement.<br>Prior homeownership experience not resulting in FC or Short Sale.<br>Loan transactions results in total monthly payment savings of [redacted] or more per month.<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-05-07): Lender exception with compensating factors.<br>Buyer Comment (2024-05-03): Update attached to exception ID [redacted]<br>Reviewer Comment (2024-04-25): Please update approval to downgrade/waive exception as substantial cash reserves as a compensating factor is not valid as proceeds are not able to be used and Borrower does not meet credit score requirement. |  |  | 05/07/2024 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 102 (redacted) |  | 34607717 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | [redacted] credit score required to use proceeds from cash out transaction as reserves. | 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>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Borrower has a clean housing payment history<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Borrower has been on job [redacted] years.<br>Residual income > than guideline requirement.<br>Prior homeownership experience not resulting in FC or Short Sale.<br>Loan transactions results in total monthly payment savings of [redacted] or more per month.<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2024-05-07): Lender exception with compensating factors.<br>Buyer Comment (2024-05-03): System auto-adds cash reserves as comp factor, attached are the comp factors actually used for the exception.<br>Reviewer Comment (2024-04-25): Please update approval to downgrade/waive exception as substantial cash reserves as a compensating factor is not valid as proceeds are not able to be used and Borrower does not meet credit score requirement. |  |  | 05/07/2024 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 103 (redacted) |  | 34607720 |  | 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. |  |  |  |  | Reviewer Comment (2024-07-02): Sufficient Cure Provided At Closing |  | 07/02/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 103 (redacted) |  | 34607723 |  | 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]business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. |  |  |  | Reviewer Comment (2024-08-02): Documents received, system cleared.<br>Buyer Comment (2024-07-31): Disregard prior, affiliated business disclosure attached.<br>Buyer Comment (2024-07-31): Attached log confirming delivery of appraisal. | 08/02/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 103 (redacted) |  | 34607724 |  | 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 50(a)(6): [redacted] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  | Reviewer Comment (2024-08-02): Documents received, system cleared.<br>Buyer Comment (2024-07-31): See attached under "BORROWER(S) COPY," the closing agent was instructed to provide copies of all documents to the borrower. | 08/02/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 103 (redacted) |  | 34607725 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2024-08-01): E-sign document received, exception cleared.<br>Buyer Comment (2024-07-31): Attached. | 08/01/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 103 (redacted) |  | 34607726 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Loan file does not contain asset documentation. Credit score is[redacted] and guidelines require a credit score of[redacted] for cash-out proceeds to be used for reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous | Residual income greater than[redacted] . | SitusAMC<br>Originator | Reviewer Comment (2024-07-08): Lender Exception with Compensating Factors. |  |  | 07/08/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 103 (redacted) |  | 34607727 |  | 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 insufficient assets to cover reserve requirements. |  |  |  | Reviewer Comment (2024-07-08): Documents received, system cleared. | 07/08/2024 |  |  | 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) | 103 (redacted) |  | 34607728 |  | 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 file does not contain asset documentation. Credit score is [redacted] and guidelines require a credit score of [redacted] or cash-out proceeds to be used for reserves. |  |  |  | Reviewer Comment (2024-07-08): Documents received, system cleared. | 07/08/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 34607734 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: [redacted] <br> Disaster End Date: [redacted] <br> Disaster Name: [redacted] <br> Disaster Declaration Date: [redacted] |  |  |  | Reviewer Comment (2024-08-28): Most recent post disaster property inspection received & associated. Exception cleared.<br>Buyer Comment (2024-08-27): Please see re-inspection report attached. | 08/28/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 34607738 |  | 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 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-08-19): Lender Exception with Compensating Factors. |  |  | 08/19/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 106 (redacted) |  | 34607739 |  | 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] | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-08-19): Lender Exception with Compensating Factors. |  |  | 08/19/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 107 (redacted) |  | 34607743 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Score of [redacted] required for cash out to be used as reserves. | 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-20): Lender Exception with Compensating Factors. |  |  | 08/20/2024 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 34607764 |  | 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 Guidelines require [redacted] months reserves for a Credit Grade B, Cash-Out Refinance of [redacted] LTV/CLTV with a [redacted] score. | 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>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 provided.<br>Prior Homeownership Experience (No FC or Short Sale) | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-20): Lender exception with compensating factors. |  |  | 08/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 34607765 |  | 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. | The Guidelines require[redacted] months reserves for a Credit Grade B, Cash-Out Refinance of [redacted] LTV/CLTV with a [redacted] score. |  |  |  | Reviewer Comment (2024-08-20): Lender exception with compensating factors, system cleared. | 08/20/2024 |  |  | 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) | 110 (redacted) |  | 34607766 |  | 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. | The Guidelines require [redacted] months reserves for a Credit Grade B, Cash-Out Refinance of[redacted] LTV/CLTV with a [redacted] score. |  |  |  | Reviewer Comment (2024-08-20): Lender exception with compensating factors, system cleared. | 08/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 34607767 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Guidelines require [redacted] months reserves for a Credit Grade B, Cash-Out Refinance of [redacted] LTV/CLTV with a [redacted] score. | 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>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 provided.<br>Prior Homeownership Experience (No FC or Short Sale) | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-08-20): Lender exception with compensating factors. |  |  | 08/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 34607768 |  | 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.) | The Guidelines require [redacted] months reserves for a Credit Grade B, Cash-Out Refinance of [redacted] LTV/CLTV with a [redacted] score. |  |  |  | Reviewer Comment (2024-08-20): Lender exception with compensating factors, system cleared. | 08/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 110 (redacted) |  | 34607769 |  | 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 Deed Preparation Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | The Tolerance Cure was reflected on the Closing Disclosure. |  |  |  | Reviewer Comment (2024-08-16): Sufficient Cure Provided At Closing |  | 08/16/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 110 (redacted) |  | 34607770 |  | 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 Recording Fee Total. Fee Amount of [redacted] exceeds tolerance of[redacted] 0. Sufficient or excess cure was provided to the borrower at Closing. | The Tolerance Cure was reflected on the Closing Disclosure. |  |  |  | Reviewer Comment (2024-08-16): Sufficient Cure Provided At Closing |  | 08/16/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 110 (redacted) |  | 34607771 |  | 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. | The Rate Lock Confirmation is missing from the loan file. |  |  |  | Reviewer Comment (2024-08-20): Alt documentation in file, system cleared. | 08/20/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 34607773 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Appraiser's license or certification was not active at the time of the appraisal dated [redacted] |  |  |  | Reviewer Comment (2024-09-26): Exception cleared, appraiser's license submitted with report.<br>Reviewer Comment (2024-09-24): Issue date for appraiser's license was[redacted] which is after the effective date of the appraisal of [redacted]<br>Buyer Comment (2024-09-12): A copy of the effective license at the time of the appraisal was effective. It appears your look up is just giving you current information and not historical.<br>Reviewer Comment (2024-09-05): It is the effective date of the appraisal and not the expiration date. Appraisal effective date is [redacted] but when we completed the appraisal look up his license were not effective/issued unitl [redacted] which is after [redacted] when appraiser inspected the property.<br>Buyer Comment (2024-09-03): Image [redacted] reflects license expiration date of[redacted] so license was active. | 09/26/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 34607774 |  | 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 required is [redacted] months. Minimum FICO of [redacted] required to used cash-out funds as reserves. | Borrower has verified disposable income of at least[redacted] .<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Lender Exception with Compensating Factors.<br>Total monthly payment savings of at least [redacted] to [redacted] month. | SitusAMC<br>SitusAMC<br>Originator<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-03): UPE approved PTC by [redacted] uploaded. |  |  | 09/05/2024 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 34607777 |  | 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 insufficient assets to satisfy[redacted] month PITI requirement. |  |  |  | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-09-03): UPE approved PTC by [redacted] uploaded. | 09/05/2024 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 111 (redacted) |  | 34607778 |  | 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. | Insufficient assets to satisfy [redacted] month PITI requirement. |  |  |  | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-09-03): UPE approved PTC by [redacted] uploaded. | 09/05/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 34607779 |  | 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] tolerance was exceeded by [redacted] due to increase of Recording Fee.[redacted] No valid COC provided, nor evidence of cure in file. 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 (2024-09-16): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-16): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | SC | 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) | 111 (redacted) |  | 34607780 |  | 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]) business days from transaction date of [redacted] | Final CD signed[redacted] which makes the eligible disbursement date [redacted] , however the loan disbursed on [redacted] . Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  |  | Reviewer Comment (2024-09-05): Documents received, system cleared.<br>Buyer Comment (2024-09-04): Final SS reflecting loan disbursing on[redacted] | 09/05/2024 |  |  | 1 C A |  | SC | 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) | 111 (redacted) |  | 34607781 |  | 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 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] | Calculated Finance Charge disclosed is [redacted] ; Finance Charge is[redacted] Finance Charge Variance of [redacted] |  |  |  | Reviewer Comment (2024-09-19): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-09-18): [redacted] proof cure check delivered uploaded.<br>Reviewer Comment (2024-09-18): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of [redacted] proof of delivery and Copy of executed RTC for reopening of rescission. However, the proof of delivery appears only related to the RTC which was delivered on [redacted] but the cure refund check is dated after on [redacted] Please provide additional proof of mailing of the cure refund check to confirm sent to borrower via tracking to finalize cure.<br>Buyer Comment (2024-09-17): PCCD, cure check, LOE and proof of delivery uploaded. |  | 09/19/2024 |  | 2 C B |  | SC | 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) | 111 (redacted) |  | 34607782 |  | 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] | Calculated Finance Charge disclosed is [redacted] Finance Charge is [redacted] Finance Charge Variance of [redacted] |  |  |  | Reviewer Comment (2024-09-19): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-09-18): [redacted] proof cure check delivered uploaded.<br>Reviewer Comment (2024-09-18): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of [redacted] proof of delivery and Copy of executed RTC for reopening of rescission. However, the proof of delivery appears only related to the RTC which was delivered on [redacted] but the cure refund check is dated after on [redacted] . Please provide additional proof of mailing of the cure refund check to confirm sent to borrower via tracking to finalize cure.<br>Buyer Comment (2024-09-16): Letter to borrower, re-executed [redacted] proof of delivery and cure check uploaded.<br>Buyer Comment (2024-09-16): Letter to borrower, re-executed [redacted] proof of delivery and cure check uploaded.<br>Buyer Comment (2024-09-16): Letter to borrower, re-executed [redacted] , proof of delivery and cure check uploaded.<br>Buyer Comment (2024-09-16): Letter to borrower, re-executed[redacted] proof of delivery and cure check uploaded. |  | 09/19/2024 |  | 2 C B |  | SC | 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) | 111 (redacted) |  | 34607784 |  | 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. | No cure provided and valid COC not in file. |  |  |  | Reviewer Comment (2024-09-16): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-16): PCCD and Payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | SC | 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) | 111 (redacted) |  | 34607785 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient assets for reserves. | Borrower has verified disposable income of at least[redacted] .<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Miscellaneous | Prior homeownership Experience (No FC or SS)<br>Lender Exception with Compensating Factors.<br>Total monthly payment savings of at least [redacted] to [redacted] month. | SitusAMC<br>SitusAMC<br>Originator<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-03): UPE approved PTC by [redacted] uploaded. |  |  | 09/05/2024 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 34607786 |  | 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.) | Borrower has insufficient assets for reserves. |  |  |  | Reviewer Comment (2024-09-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-09-03): UPE approved PTC by [redacted] uploaded. | 09/05/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 111 (redacted) |  | 34607787 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File) | [redacted] Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Disclosure Summary reflects the disclosure being sent however, there is no verification it was signed by the borrower. |  |  |  | Reviewer Comment (2024-09-05): Documents received, system cleared.<br>Buyer Comment (2024-09-03): Signed disclosure uploaded. | 09/05/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 112 (redacted) |  | 34607789 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender exception requested for [redacted] point FICO exception to use loan program. Borrower has[redacted] FICO, loan program requires [redacted] FICO. | 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>Miscellaneous | [redacted] years on job.<br>Reserves exceed guidelines by at least [redacted] months.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-08-20): Lender exception with compensating factors. |  |  | 08/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 112 (redacted) |  | 34607791 |  | 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. | Borrower has[redacted] FICO, loan program requires [redacted] FICO. |  |  |  | Reviewer Comment (2024-08-20): Lender exception with compensating factors, system cleared. | 08/20/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 112 (redacted) |  | 34607792 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Borrower has [redacted] FICO, loan program requires [redacted] FICO. |  |  |  | Reviewer Comment (2024-08-20): Lender exception with compensating factors, system cleared. | 08/20/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 112 (redacted) |  | 34607793 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower has[redacted] FICO, loan program requires [redacted] FICO. | 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>Miscellaneous | [redacted] years on job.<br>Reserves exceed guidelines by at least [redacted] months.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-08-20): Lender exception with compensating factors. |  |  | 08/20/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 112 (redacted) |  | 34607795 |  | 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 (2024-09-05): accept |  |  | 09/05/2024 | 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) | 113 (redacted) |  | 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) | 114 (redacted) |  | 34607805 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender Exception in file allowing credit score less than allowed by guidelines. | 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] .<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>Qualifying Ratios of [redacted] or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors. |  |  | 09/03/2024 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 114 (redacted) |  | 34607806 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets were not verified; Approved exception in file for use of cash back for reserves with credit score [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] .<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>Qualifying Ratios of [redacted] or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors. |  |  | 09/03/2024 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 114 (redacted) |  | 34607807 |  | 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. | Assets were not verified; Approved exception in file for use of cash back for reserves with credit score [redacted] |  |  |  | Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors, system cleared. | 09/03/2024 |  |  | 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) | 114 (redacted) |  | 34607808 |  | 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. | Assets were not verified; Approved exception in file for use of cash back for reserves with credit score [redacted] |  |  |  | Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors, system cleared. | 09/03/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 114 (redacted) |  | 34607809 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets were not verified; Approved exception in file for use of cash back for reserves with credit score [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] .<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>Qualifying Ratios of [redacted] or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors. |  |  | 09/03/2024 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 114 (redacted) |  | 34607810 |  | 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.) | Assets were not verified; Approved exception in file for use of cash back for reserves with credit score [redacted] |  |  |  | Reviewer Comment (2024-09-03): Lender Exception with Compensating Factors, system cleared. | 09/03/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 114 (redacted) |  | 34607811 |  | 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. | 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 (2024-09-16): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-12): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | 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) | 114 (redacted) |  | 34607812 |  | 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. | 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 (2024-09-16): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-12): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | 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) | 115 (redacted) |  | 34607814 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Guidelines requirement Fico of [redacted] . Borrower FICO is [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>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Residual income[redacted]<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of[redacted] or less | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2025-03-05): CF Update.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 115 (redacted) |  | 34607815 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage late after housing event[redacted] - Borrower late payments are due to arrears owed on mortgage prior to being acquired by CMS[redacted] They are now caught up current as 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 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. | [redacted] years on job.<br>Residual income[redacted]<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of[redacted] or less | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 115 (redacted) |  | 34607818 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Guidelines require [redacted] FICO. Borrower FICO is [redacted] . 2). Mortgage late after housing event[redacted] - Borrower late payments are due to arrears owed on mortgage prior to being acquired by CMS [redacted] . They are now caught up current as 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 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. | [redacted] years on job.<br>Residual income[redacted]<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of[redacted] or less | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-10): CF Update.<br>Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 115 (redacted) |  | 34607820 |  | 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 (2025-03-21): Received PDI report, Exception cleared.<br>Buyer Comment (2025-03-20): Disaster reinspection report uploaded.<br>Reviewer Comment (2025-03-11): Exception Remains - Required inspection report date after disaster end date [redacted], provided document inspection report date is prior to disaster end date.<br>Buyer Comment (2025-03-10): inspection | 03/21/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 116 (redacted) |  | 34607823 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Guidelines require minimum [redacted] FICO for program. Borrower FICO is [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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income[redacted]<br>Reserves exceed guidelines by at least [redaceted] months.<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ration of[redacted] of less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 116 (redacted) |  | 34607824 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Guidelines require minimum [redacted] FICO for program. Borrower FICO is [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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income[redacted]<br>Reserves exceed guidelines by at least [redaceted] months.<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ration of[redacted] of less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-03): Lender exception with compensating factors. |  |  | 09/03/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 116 (redacted) |  | 34607826 |  | 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 Disaster Inspection Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Disaster Inspection Fee disclosed as [redacted] on CD dated [redacted] , but disclosed as [redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-16): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-12): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 2 C B |  | 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) | 117 (redacted) |  | 34607828 |  | 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. | Creditor did not provide a copy of each valuation[redacted] to applicant t[redacted] business days prior to consummation. |  |  |  | Buyer Comment (2024-09-24): Approve<br>Reviewer Comment (2024-09-24): EV2 exception. Initial appraisal delivery and post close final appraisal delivery received. EV2 exception can be waived upon reqquest.<br>Buyer Comment (2024-09-12): Please note, it is acceptable to have the clerical revised appraisal delivered post note date. Please escalate to [redacted]/[redacted].<br>Reviewer Comment (2024-09-11): Exception Remains - The received document is post note date. Required the appraisal delivery proof of [redacted] business days prior to note date.<br>Buyer Comment (2024-09-10): Initial appraisal and proof revised clerical appraisal delivered uploaded. |  |  | 09/24/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 34607829 |  | 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 (2024-09-24): Documents received, system cleared.<br>Buyer Comment (2024-09-12): Please note, it is acceptable to have the clerical revised appraisal delivered post note date. Please escalate to [redacted]/[redacted].<br>Reviewer Comment (2024-09-11): Exception Remains - The received document is post note date. Required the appraisal delivery proof of [redacted] business days prior to note date.<br>Buyer Comment (2024-09-10): Initial appraisal and proof revised clerical appraisal delivered uploaded. | 09/24/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 34607830 |  | 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 [redacted] to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-09-24): Document received, systemed cleared.<br>Buyer Comment (2024-09-12): Please note, it is acceptable to have the clerical revised appraisal delivered post note date. Please escalate to [redacted].<br>Reviewer Comment (2024-09-11): Exception Remains - The received document is post note date. Required the appraisal delivery proof of [redacted] business days prior to note date.<br>Buyer Comment (2024-09-10): Initial appraisal and proof revised clerical appraisal delivered uploaded. | 09/24/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 34607832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: T[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] plus [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-16): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2024-09-12): PCCD and payment history reflecting PR uploaded. |  | 09/16/2024 |  | 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) | 117 (redacted) |  | 34607833 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Guideline requires minimum [redacted] FICO. Borrower FICO [redacted] | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of 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<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 provided.<br>Lender Exception with Compensating Factors provided.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2024-09-04): Lender exception with compensating factors. |  |  | 09/04/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 34607834 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Guidelines require a[redacted] credit score to use cash out proceeds as reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of 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<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 provided.<br>Lender Exception with Compensating Factors provided.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2024-09-04): Lender exception with compensating factors. |  |  | 09/04/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 34607836 |  | 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. |  |  |  |  | Buyer Comment (2024-09-24): Approve<br>Reviewer Comment (2024-09-24): EV2 exception. Initial appraisal delivery and post close final appraisal delivery received. EV2 exception can be waived upon reqquest. |  |  | 09/24/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 34607840 |  | 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 - Closing Protection Letter 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 Title - Closing Protection Letter Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-08-29): Sufficient Cure Provided At Closing |  | 08/29/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 118 (redacted) |  | 34607841 |  | 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. | Captured per date on delivery notice. |  |  |  | Buyer Comment (2024-09-16): Accept |  |  | 09/16/2024 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 34607843 |  | 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 requires a [redacted] to use cash out as reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of 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 | 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,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-04): Lender Exception with Compensating Factors. |  |  | 09/04/2024 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 34607844 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower did not meet credit score requirements to use cash out as reserves. | Borrower has owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of 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 | 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,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-09-04): Lender Exception with Compensating Factors. |  |  | 09/04/2024 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 34607845 |  | 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 - Settlement / Closing / Escrow Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The LE did not reflect the Title - Settlement / Closing / Escrow Fee. Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. |  |  |  | Reviewer Comment (2024-09-04): Sufficient Cure Provided At Closing |  | 09/04/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 118 (redacted) |  | 34607846 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] o Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of[redacted] exceeds tolerance of $[redacted]Sufficient or excess cure was provided to the borrower at Closing. | The LE did not reflect the Title - Examination Fee. Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. |  |  |  | Reviewer Comment (2024-09-04): Sufficient Cure Provided At Closing |  | 09/04/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 118 (redacted) |  | 34607847 |  | 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 - Lender's Title Insurance. Fee Amount of[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The LE did not reflect the Title - Lender's Title Insurance. Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. |  |  |  | Reviewer Comment (2024-09-04): Sufficient Cure Provided At Closing |  | 09/04/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 118 (redacted) |  | 34607848 |  | 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 - Notary Fee. Fee Amount of[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The LE did not reflect the Title - Notary Fee. Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. |  |  |  | Reviewer Comment (2024-09-04): Sufficient Cure Provided At Closing |  | 09/04/2024 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 119 (redacted) |  | 34607852 |  | 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. | Appraisal Fee increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-27): Sufficient Cure Provided At Closing |  | 08/27/2024 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 119 (redacted) |  | 34607853 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Bank statements reflect an account holder that is not on subject loan and no access letter in file. | Borrower has owned the subject property for at leas[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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Lender Exception with Compensating Factors.<br>Prior homeownership experience (No FC or Short Sale).<br>Total monthly payment savings of at least[redacted] per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-12): UPE approved PTC by [redacted] uploaded.<br>Reviewer Comment (2024-09-04): Lender exception in file does not list a compensating factor from Group A for consideration of downgrading/waiving exception. |  |  | 09/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 119 (redacted) |  | 34607854 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Guidelines require a minimum [redacted] credit score for bank statement program and the use of loan proceeds as reserves. | Borrower has owned the subject property for at leas[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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Lender Exception with Compensating Factors.<br>Prior homeownership experience (No FC or Short Sale).<br>Total monthly payment savings of at least[redacted] per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-10): [redacted] approved [redacted] by [redacted] uploaded. Please note, [redacted] approved so a CF from Group A is not required.<br>Reviewer Comment (2024-09-04): Lender exception in file does not list a compensating factor from Group A for consideration of downgrading/waiving exception. |  |  | 09/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 119 (redacted) |  | 34607855 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Guidelines require a minimum [redacted] credit score for bank statement program and the use of loan proceeds as reserves. | Borrower has owned the subject property for at leas[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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Lender Exception with Compensating Factors.<br>Prior homeownership experience (No FC or Short Sale).<br>Total monthly payment savings of at least[redacted] per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-10): [redacted] approved [redacted] by [redacted] uploaded. Please note, [redacted] approved so a CF from Group A is not required.<br>Reviewer Comment (2024-09-04): Lender exception in file does not list a compensating factor from Group A for consideration of downgrading/waiving exception. |  |  | 09/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 120 (redacted) |  | 34607861 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural per the appraisal in file which is ineligible per 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 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]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-09-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2024-09-10): [redacted] approved [redacted] by [redacted] uploaded. |  |  | 09/18/2024 | 2 C B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 121 (redacted) |  | 34607867 |  | 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 f[redacted] business days prior to closing. | The Loan Estimate provided on [redacted] was not received by borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2024-09-12): [redacted] was provided proof of receipt.<br>Buyer Comment (2024-09-11): Disclosure Tracking details reflecting LE received. | 09/12/2024 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 122 (redacted) |  | 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) | 122 (redacted) |  | 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] 0 is over disclosed by [redacted] 0 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) | 122 (redacted) |  | 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 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] 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) | 122 (redacted) |  | 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) | 122 (redacted) |  | 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 $0.00. 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) | 122 (redacted) |  | 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) | 123 (redacted) |  | 34607880 |  | 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 Program requires[redacted] months reserves, the loan file does not contain assets to cover the reserves requirements. | 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>Miscellaneous<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] years on Job.<br>Lender Exception with Compensating Factors.<br>Loa Default risk with equity, LTV[redacted] lower than Matrix.<br>Residual Income greater than [redacted]<br>Lender Exception with Compensating Factors. | SitusAMC,Originator<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-09-17): Lender Exception with Compensating Factors. |  |  | 09/17/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607881 |  | 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 report dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2024-09-20): Received Appraisal delivery receipt & updated . Exception cleared.<br>Buyer Comment (2024-09-18): Please see proof of appraisal report been delivered to borrower. | 09/20/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607882 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The FACTA Disclosure was not located within the loan file. |  |  |  | Reviewer Comment (2024-09-23): FACTA Disclosure provided and associated. Exception cleared<br>Buyer Comment (2024-09-18): Please see FACTA Credit Score Disclosure attached | 09/23/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607883 |  | 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 (2024-09-20): Received Appraisal delivery receipt & updated . Exception cleared.<br>Buyer Comment (2024-09-18): Could you please let us know what information do you need to clear this exception? Thank you | 09/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607885 |  | 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. | The Loan Program requires[redacted] months reserves, the loan file does not contain assets to cover the reserves requirements. |  |  |  | Reviewer Comment (2024-09-17): Lender Exception with Compensating Factors, system cleared. | 09/17/2024 |  |  | 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) | 123 (redacted) |  | 34607886 |  | 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. | The Loan Program requires [redacted] months reserves, the loan file does not contain assets to cover the reserves requirements. |  |  |  | Reviewer Comment (2024-09-17): Lender Exception with Compensating Factors, system cleared. | 09/17/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607887 |  | 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.) | The Loan Program requires [redacted] months reserves, the loan file does not contain assets to cover the reserves requirements. |  |  |  | Reviewer Comment (2024-09-17): Lender Exception with Compensating Factors, system cleared. | 09/17/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607889 |  | 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. | Acknowledgement receipt did not provide to applicant within [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-09-20): Received Appraisal delivery receipt & updated . Exception cleared.<br>Buyer Comment (2024-09-18): Please see proof of appraisal report been delivered to borrower. | 09/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607890 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Loan Program requires [redacted] months reserves, the loan file does not contain assets to cover the reserves requirements. | 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>Miscellaneous<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] years on Job.<br>Lender Exception with Compensating Factors.<br>Loa Default risk with equity, LTV[redacted] lower than Matrix.<br>Residual Income greater than [redacted]<br>Lender Exception with Compensating Factors. | SitusAMC,Originator<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-09-17): Lender Exception with Compensating Factors. |  |  | 09/17/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 123 (redacted) |  | 34607891 |  | 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 $0.00. Insufficient or no cure was provided to the borrower. | The Closing Disclosure issued on [redacted] reflects an additional credit report fee in the amount of [redacted] The loan file does not contain evidence of a change circumstance adding the fee. |  |  |  | Reviewer Comment (2024-09-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-09-24): Please see PCCD and payment history showing a cure for $[redacted] for increasing the credit report from $[redacted] to $[redacted] |  | 09/25/2024 |  | 2 C B |  | 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) | 124 (redacted) |  | 34607894 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA disclosure not provided |  |  |  | Reviewer Comment (2024-10-07): FACTA Disclosure document received and associated. Exception Cleared.<br>Buyer Comment (2024-10-04): attached | 10/07/2024 |  |  | 1 B A |  | VA | Primary | Purchase | D A C | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 34607897 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal does not meet guidelines. Original color photographs or digital color images of the front, street, and rear views of the subject property. Original digital black and white photographs/pictures are permitted if the appraisal clearly indicates the subject property meets our standards. |  |  |  | Reviewer Comment (2024-09-26): Corrected Appraisal received with color photographs of the front, street and rear views of the subject property. Details verified and updated. Exception cleared.<br>Buyer Comment (2024-09-25): System error, attached includes color photos. | 09/26/2024 |  |  | 1 D A |  | VA | Primary | Purchase | D A C | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 34607898 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule[redacted] Safe Harbor requirements not satisfied. | Appraisal does not meet guidelines. Original color photographs or digital color images of the front, street, and rear views of the subject property. Original digital black and white photographs/pictures are permitted if the appraisal clearly indicates the subject property meets our standards. |  |  |  | Reviewer Comment (2024-09-26): Corrected Appraisal received with color photographs of the front, street and rear views of the subject property. Details verified and updated. Exception cleared.<br>Buyer Comment (2024-09-25): See exception ID [redacted]. | 09/26/2024 |  |  | 1 B A |  | VA | Primary | Purchase | D A C | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 34607899 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  |  | Reviewer Comment (2024-09-26): Corrected Appraisal received with color photographs of the front, street and rear views of the subject property. Details verified and updated. Exception cleared.<br>Buyer Comment (2024-09-25): See exception ID [redacted]. | 09/26/2024 |  |  | 1 C A |  | VA | Primary | Purchase | D A C | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 34607900 |  | 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. |  | Appraisal provided in file is not acceptable per guidelines. |  |  |  | Reviewer Comment (2024-09-26): Corrected Appraisal received with color photographs of the front, street and rear views of the subject property. Details verified and updated. Exception cleared.<br>Buyer Comment (2024-09-25): See exception ID [redacted]. | 09/26/2024 |  |  | 1 C A |  | VA | Primary | Purchase | D A C | Non QM | Non QM | No |
| (redacted) | 124 (redacted) |  | 34607901 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] |  | Appraisal provided in file is not acceptable per guidelines. |  |  |  | Reviewer Comment (2024-09-26): Corrected Appraisal received with color photographs of the front, street and rear views of the subject property. Details verified and updated. Exception cleared.<br>Buyer Comment (2024-09-25): See exception ID [redacted]. | 09/26/2024 |  |  | 1 D A |  | VA | Primary | Purchase | D A C | Non QM | Non QM | No |
| (redacted) | 125 (redacted) |  | 34607904 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender Exception in file allowing credit score less than 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>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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Qualifying Ratios of [redacted] or less | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-17): Lender Exception with Compensating Factors. |  |  | 09/17/2024 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 126 (redacted) |  | 34607916 |  | 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 or[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-09): Sufficient Cure Provided At Closing |  | 09/09/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 126 (redacted) |  | 34607917 |  | 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 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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income [redacted]<br>Reserves exceed guidelines by at least [redacted] months.<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-17): Lender exception with compensating factors. |  |  | 09/17/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 126 (redacted) |  | 34607918 |  | 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] | 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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income [redacted]<br>Reserves exceed guidelines by at least [redacted] months.<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-17): Lender exception with compensating factors. |  |  | 09/17/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 126 (redacted) |  | 34607919 |  | 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 a paystub for Co Borrower from [redacted] ISD. |  |  |  | Reviewer Comment (2024-09-25): Proof of Income document associated instead of Paystub. Exception Cleared.<br>Buyer Comment (2024-09-24): Per guidelines, we don't need a monthly paystub since proof of income is used and shown for the most recent 30-day period. Please see the guidelines attached and proof of income used to calculate the co-bwr's income | 09/25/2024 |  |  | 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) | 126 (redacted) |  | 34607920 |  | 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 a paystub for Co Borrower from [redacted] ISD. |  |  |  | Reviewer Comment (2024-09-25): Proof of Income document associated instead of Paystub. Exception Cleared.<br>Buyer Comment (2024-09-24): Per guidelines, we don't need a monthly paystub since proof of income is used and shown for the most recent [redacted] [redacted] - day period. Please see the guidelines attached and proof of income used to calculate the co-bwr's income | 09/25/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 126 (redacted) |  | 34607921 |  | 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 a paystub for Co Borrower from[redacted] ISD. |  |  |  | Reviewer Comment (2024-09-25): Proof of Income document associated instead of Paystub. Exception Cleared.<br>Buyer Comment (2024-09-24): Per guidelines, we don't need a monthly paystub since proof of income is used and shown for the most recent [redacted] - day period. Please see the guidelines attached and proof of income used to calculate the co-bwr's income | 09/25/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 126 (redacted) |  | 34607922 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing a paystub for Co Borrower from [redacted] ISD. |  |  |  | Reviewer Comment (2024-09-25): Proof of Income document associated instead of Paystub. Exception Cleared.<br>Buyer Comment (2024-09-24): Per guidelines, we don't need a monthly paystub since proof of income is used and shown for the most recent [redacted] - day period. Please see the guidelines attached and proof of income used to calculate the co-bwr's income | 09/25/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 126 (redacted) |  | 34607923 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing a paystub for Co Borrower from [redacted] ISD. |  |  |  | Reviewer Comment (2024-09-25): Proof of Income document associated instead of Paystub. Exception Cleared.<br>Buyer Comment (2024-09-24): Per guidelines, we don't need a monthly paystub since proof of income is used and shown for the most recent [redacted] - day period. Please see the guidelines attached and proof of income used to calculate the co-bwr's income | 09/25/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 127 (redacted) |  | 34607929 |  | 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] | 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] |  |  |  | Reviewer Comment (2024-12-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-12-11): PCCD, LOE, cure check, proof of delivery and re-executed [redacted] uploaded.<br>Reviewer Comment (2024-10-07): Cure of $[redacted]will cure both the amount financed and the finance charge exception. Total to remediate both exceptions is $[redacted].<br>Buyer Comment (2024-10-04): Could you please confirm if this cure requested for $[redacted] is for the same exception ID # [redacted]or a different and additional cure request? Thanks |  | 12/13/2024 |  | 2 C B |  | OH | 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) | 127 (redacted) |  | 34607930 |  | 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] | 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] |  |  |  | Reviewer Comment (2024-12-13): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2024-12-11): PCCD, LOE, cure check, proof of delivery and re-executed [redacted] uploaded.<br>Buyer Comment (2024-12-11): PCCD, LOE, cure check, proof of delivery and re-executed [redacted]uploaded. |  | 12/13/2024 |  | 2 C B |  | OH | 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) | 127 (redacted) |  | 34607931 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving omission of a mortgage paid by another party from qualifying ratios. [redacted] months bank statements from [redacted] XXXX, Acct [redacted] , provided to verify son's business pays [redacted]; lender exception in file to exclude this account from DTI. Business account given [redacted]% usability. | 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>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience[redacted]<br>Residual income greater than[redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-09-30): Lender Exception with Compensating Factors. |  |  | 09/30/2024 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607934 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Credit Score Disclosure is missing from the loan file. |  |  |  | Reviewer Comment (2024-10-08): Received FACTA disclosure & associated. Exception cleared.<br>Buyer Comment (2024-10-07): FACTA disclosure uploaded. | 10/08/2024 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607935 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower has unverifiable housing history covering [redacted] months and the guidelines state this is unacceptable when [redacted] Year Alt Documentation for Income is used for qualification. | 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]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-02): Lender Exception with Compensating Factors provided. |  |  | 10/02/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607936 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A payment history for the seller's mortgage on the subject property must be obtained and show no pattern of delinquency within the past [redacted] months. The Seller has been late on Mortgage within [redacted] months. |  |  |  | Reviewer Comment (2024-10-28): Document provided and exception cleared<br>Buyer Comment (2024-10-23): Proof of VOM for seller uploaded. | 10/28/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607937 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The Guidelines require [redacted] months reserves for Gift of Equity and being a First Time Homebuyer. | 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]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-02): Lender Exception with Compensating Factors provided. |  |  | 10/02/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607938 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Guidelines require 6 months reserves for Gift of Equity and being a First Time Homebuyer. Insufficient funds to close. | 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]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-11): Lender exception with compensating factors.<br>Buyer Comment (2024-10-07): UPE approved [redacted] by [redacted] uploaded. |  |  | 10/11/2024 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607939 |  | 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. | The Guidelines require [redacted] months reserves for Gift of Equity and being a First Time Homebuyer. |  |  |  | Reviewer Comment (2024-11-04): Exception cleared - Sufficient assets available for reserve.<br>Buyer Comment (2024-11-01): Hazard invoice uploaded.<br>Reviewer Comment (2024-10-31): Required $[redacted] Paid Invoice/Receipt for Homeowner's insurance premium to met Asset requirement. Exception remains.<br>Buyer Comment (2024-10-30): Appraisal invoice uploaded. | 11/04/2024 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 128 (redacted) |  | 34607940 |  | 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. | The Guidelines require 6 months reserves for a First Time Homebuyer with less than [redacted] months housing history, and for [redacted] year P&L Statement. |  |  |  | Reviewer Comment (2024-11-04): Exception cleared - Sufficient assets available for reserve.<br>Buyer Comment (2024-11-01): Hazard invoice uploaded.<br>Reviewer Comment (2024-10-31): Required $[redacted] Paid Invoice/Receipt for Homeowner's insurance premium to met Asset requirement. Exception remains.<br>Buyer Comment (2024-10-30): Appraisal invoice uploaded. | 11/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607941 |  | 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.) | The Guidelines require [redacted] months reserves for a First Time Homebuyer with less than [redacted] months housing history, and for[redacted] year P&L Statement. |  |  |  | Reviewer Comment (2024-11-04): Exception cleared - Sufficient assets available for reserve.<br>Buyer Comment (2024-11-01): Hazard invoice uploaded.<br>Reviewer Comment (2024-10-31): Required $[redacted]Paid Invoice/Receipt for Homeowner's insurance premium to met Asset requirement. Exception remains.<br>Buyer Comment (2024-10-30): Appraisal invoice uploaded. | 11/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607943 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Borrower does not have enough funds to cover reserve requirements. The Seller reflects mortgage lates on [redacted] month payment history for an [redacted] Transaction from Family Member. | 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]<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum. | Lender Exception with Compensating Factors provided. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-02): Lender Exception with Compensating Factors provided. |  |  | 10/02/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607944 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All liens on title to be paid in full, not reflected on the settlement statement as required by Guidelines. |  |  |  | Reviewer Comment (2024-11-12): Final title provided, no liens reflected.<br>Buyer Comment (2024-11-07): Final title policy uploaded.<br>Reviewer Comment (2024-11-04): Only Legal description was uploaded. Please provide additional documents and email me when you send. DB<br>Buyer Comment (2024-10-30): Final title policy uploaded. | 11/12/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607945 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Corrected CD required. Attorney letter and Purchase Contract reference an Earnest Money Deposit. There were two totaling [redacted] however there is nothing entered on page[redacted] for Deposit. |  |  |  | Reviewer Comment (2024-10-28): Documentation provided and exception cleared.<br>Buyer Comment (2024-10-23): Funder CD reflecting EMD reimbursed to borrower. | 10/28/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607946 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower does not have sufficient funds to close. |  |  |  | Reviewer Comment (2024-11-04): Exception cleared - Sufficient assets available for reserve.<br>Buyer Comment (2024-11-01): Hazard invoice uploaded.<br>Reviewer Comment (2024-10-31): Required $[redacted] Paid Invoice/Receipt for Homeowner's insurance premium to met Asset requirement. Exception remains.<br>Buyer Comment (2024-10-30): Appraisal invoice uploaded.<br>Reviewer Comment (2024-10-28): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted].<br>Reviewer Comment (2024-10-28): Required $[redacted]paid invoice/Receipt. Exception remains.<br>Buyer Comment (2024-10-23): Please note, verified assets of $[redacted], gift of equity of $[redacted], seller reimbursed EMD $[redacted]. CTC $[redacted]and borrower has verified $[redacted]. | 11/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 128 (redacted) |  | 34607947 |  | 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 [redacted] days of the application. |  |  |  | Buyer Comment (2024-10-23): Approve |  |  | 10/23/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 129 (redacted) |  | 34607951 |  | 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] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Tolerance fees increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-09-23): Sufficient Cure Provided At Closing |  | 09/23/2024 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 129 (redacted) |  | 34607952 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least[redacted]) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. |  |  |  | Reviewer Comment (2024-10-18): Documentation provided. Cleared.<br>Buyer Comment (2024-10-11): Please see the additional documents attached. CD dated [redacted], proof of delivery, and electronic signature from the bwr showing that they received itemized disclosure of fees, points, cost, and charges before of closing date.<br>Reviewer Comment (2024-10-11): Provided disclosure is dated day of closing and was not provided to borrower at least [redacted] business day prior to closing.<br>Buyer Comment (2024-10-07): Please see attached document. | 10/18/2024 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 130 (redacted) |  | 34607954 |  | 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 evidence of appraisal being sent to borrower[redacted] days prior to closing. |  |  |  | Reviewer Comment (2024-10-09): Exception Cleared, Proof of Appraisal delivery document is received.<br>Buyer Comment (2024-10-08): Appraisal proof of delivery uploaded. | 10/09/2024 |  |  | 1 B A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 130 (redacted) |  | 34607955 |  | 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. | [redacted] calculated APR exceeds threshold of APR[redacted] |  |  |  | Reviewer Comment (2024-10-11): New construction, system cleared.<br>Buyer Comment (2024-10-08): Appraisal proof of delivery uploaded. | 10/11/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 130 (redacted) |  | 34607956 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule[redacted] (Dodd-Frank [redacted]): 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 (2024-10-09): Exception Cleared, Proof of Appraisal delivery document is received.<br>Buyer Comment (2024-10-08): Appraisal proof of delivery uploaded. | 10/09/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 130 (redacted) |  | 34607958 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule [redacted] : Flipped Property - Creditor did not obtain t[redacted] written appraisals. | Require secondary valuation in file. |  |  |  | Reviewer Comment (2024-10-11): New construction, system cleared.<br>Buyer Comment (2024-10-08): Appraisal review CU uploaded. Please note, subject is not a flip. Builder documents included with initial file. | 10/11/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 130 (redacted) |  | 34607959 |  | 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. | The Title - Document Preparation Fee is disclosed in Section B on the CD [redacted] |  |  |  | Reviewer Comment (2024-10-02): [redacted] Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2024-10-01): PCCD and payment history reflecting [redacted] uploaded. |  | 10/02/2024 |  | 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) | 130 (redacted) |  | 34607960 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Ten Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-10-02): Sufficient Cure Provided within [redacted] Days of Closing |  | 10/02/2024 |  | 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) B A | Non QM | Non QM | Yes |
| (redacted) | 131 (redacted) |  | 34607967 |  | 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. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | Reviewer Comment (2024-11-13): Post disaster inspection received and updated .Exception cleared<br>Buyer Comment (2024-11-12): Please see Re-Inspection Report attached. | 11/13/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 131 (redacted) |  | 34607969 |  | 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 was added on Loan Estimate issued[redacted] with no valid change evident. |  |  |  | Reviewer Comment (2024-10-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-10-24): Please see PCCD + Pymt History attached showing a cure for $[redacted]which includes $[redacted]for increase in second appraisal fee and $[redacted]for increase in transfer tax<br>Reviewer Comment (2024-10-23): [redacted] received snip to show timing UCDP ordered, and second appraisal received date which was ordered after receipt of second appraisal report and invoice. However, the UCDP run after receipt of first appraisal showing CU score of [redacted] due to which a second appraisal was ordered (as per below comment). The second appraisal fee should have been disclosed within [redacted] business days of receipt of first appraisal and UCDP. Cure would be required.<br>Buyer Comment (2024-10-21): Please see UCDP, appraisal report and the screenshot attached showing that the fee was added on [redacted].<br>Reviewer Comment (2024-10-21): [redacted] received UCDP SSR report dated [redacted], however fee added on [redacted] which is not within [redacted] days. Please provide additional information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-10-18): Please see the documents attached including the CD dated [redacted], COC, proof of delivery, UCDP report, property report, and guidelines. The increase in the second appraisal fee was caused by the CU Rate of [redacted] No cure needed for this valid increase |  | 10/25/2024 |  | 2 C B |  | FL | 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) | 131 (redacted) |  | 34607970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] o 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 increased on Closing Disclosure issued [redacted] with no valid change evident. |  |  |  | Reviewer Comment (2024-10-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-10-24): Please see PCCD + Pymt History attached showing a cure for $[redacted]which includes $[redacted] for increase in second appraisal fee and $[redacted]for increase in transfer tax<br>Reviewer Comment (2024-10-21): [redacted] received rebuttal, additional cure of [redacted] is required for transfer tax and $[redacted]for 2nd appraisal fee. Total cure of $[redacted] is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-10-18): Please see the final CD attached showing a lender credit for $[redacted] please confirm that the cure required is only $[redacted]. |  | 10/25/2024 |  | 2 C B |  | FL | 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) | 131 (redacted) |  | 34607971 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Guideline required FICO score [redacted] and borrower's FICO score is [redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at leas[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 CF.<br>Housing Ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-16): Lender Exception with Compensating Factors provided. |  |  | 10/16/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 131 (redacted) |  | 34607973 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Provide additional month's statement for account [redacted] |  |  |  | Reviewer Comment (2024-10-23): Source of funds provided and account is newly opened, exception cleared.<br>Buyer Comment (2024-10-22): The source of funds are coming from acct # [redacted] Please see attached summary of transactions.<br>Reviewer Comment (2024-10-22): Exception remains. Need the source of funds of the opening balance of newly opened Bank Acct # [redacted].<br>Buyer Comment (2024-10-18): [redacted] acct # [redacted] was opened on [redacted] we have it available from [redacted] [redacted]to [redacted] [redacted] and then [redacted] [redacted] to [redacted] [redacted]. Please see the note from the UW in the 1008 form in regards to this discrepancy. Please see the attached documents | 10/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 131 (redacted) |  | 34607974 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file missing asset statements. |  |  |  | Reviewer Comment (2024-10-23): Source of funds provided and account is newly opened, exception cleared.<br>Buyer Comment (2024-10-22): The source of funds are coming from acct # [redacted]Please see attached summary of transactions.<br>Reviewer Comment (2024-10-22): Exception remains. Need the source of funds of the opening balance of newly opened Bank Acct # [redacted].<br>Buyer Comment (2024-10-18): [redacted] acct # [redacted]was opened on [redacted] we have it available from [redacted] [redacted] to [redacted]and then [redacted] to [redacted] [redacted]. Please see the note from the UW in the 1008 form in regards to this discrepancy. Please see the attached documents<br>Buyer Comment (2024-10-18): [redacted] acct # [redacted] was opened on [redacted] we have it available from [redacted] to [redacted] and then [redacted] to [redacted] [redacted]. Please see the note from the UW in the 1008 form in regards to this discrepancy. Please see the attached documents | 10/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 131 (redacted) |  | 34607975 |  | 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. | Originator Loan Designation of Non QM does not match due to loan file missing asset statements. |  |  |  | Reviewer Comment (2024-10-23): Source of funds provided and account is newly opened, system cleared.<br>Buyer Comment (2024-10-18): [redacted] acct # [redacted] was opened on [redacted] we have it available from [redacted] to [redacted] and then [redacted] to [redacted] [redacted]. Please see the note from the UW in the 1008 form in regards to this discrepancy. Please see the attached documents | 10/23/2024 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 131 (redacted) |  | 34607976 |  | 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.) | There are guideline deficiencies related to the loan file missing asset statements. |  |  |  | Reviewer Comment (2024-10-23): Source of funds provided and account is newly opened, exception cleared.<br>Buyer Comment (2024-10-18): [redacted] acct # [redacted]was opened on [redacted] we have it available from [redacted] to [redacted] and then [redacted] to [redacted]. Please see the note from the UW in the 1008 form in regards to this discrepancy. Please see the attached documents | 10/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 131 (redacted) |  | 34607977 |  | 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. | There are guideline deficiencies related to the loan file missing asset statements. |  |  |  | Reviewer Comment (2024-10-23): Source of funds provided and account is newly opened, system cleared.<br>Buyer Comment (2024-10-18): [redacted] acct # [redacted]was opened on [redacted] we have it available from [redacted] to [redacted] and then [redacted] to [redacted][redacted]. Please see the note from the UW in the 1008 form in regards to this discrepancy. Please see the attached documents | 10/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 132 (redacted) |  | 34607981 |  | 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. |  |  |  |  |  | Reviewer Comment (2024-11-21): PDI document received and associated .Exception cleared<br>Buyer Comment (2024-11-14): Disaster reinspection report uploaded. | 11/21/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 134 (redacted) |  | 34607987 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is rural. | 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]<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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of[redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-28): Lender Exception with Compensating Factors provided. |  |  | 01/28/2025 | 2 B |  | LA | Primary | Purchase | A B | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34607998 |  | 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 was dated on [redacted] and the Application date was [redacted] |  |  |  | Buyer Comment (2024-11-05): Approve<br>Reviewer Comment (2024-11-04): The earliest Credit Report is dated [redacted], yet the FACTA is dated in [redacted]. Provide evidence of an earlier copy sent to the borrower.<br>Buyer Comment (2024-10-31): FACTA disclosure uploaded. |  |  | 11/05/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34608004 |  | 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 Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV. | 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>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Qualifying ratio o[redacted] or less | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors. |  |  | 10/23/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34608006 |  | 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 Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV. To use proceeds from cash-out requires a[redacted] credit score. | 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>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Qualifying ratio o[redacted] or less | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors. |  |  | 10/23/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34608007 |  | 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 Guideline Overlay state [redacted] year Alt Doc minimum Credit score required is [redacted] and the Borrower has a [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>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Qualifying ratio o[redacted] or less | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors. |  |  | 10/23/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34608008 |  | 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. | The Guideline overlays state Alt Doc Income Types max cash-out[redacted] LTV/CLTV. To use proceeds from cash-out requires a [redacted] credit score. The Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV require [redacted] months reserves. |  |  |  | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors, system cleared | 10/23/2024 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 135 (redacted) |  | 34608009 |  | 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. | The Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV. To use proceeds from cash-out requires a [redacted] credit score. The Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV require [redacted] months reserves. |  |  |  | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors, system cleared | 10/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34608010 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV require [redacted] months reserves. The Guideline overlays state Alt Doc Income Types max cash-out [redacted] LTV/CLTV. To use proceeds from cash-out requires a [redacted] credit score. |  |  |  | Reviewer Comment (2024-10-23): Lender Exception with Compensating Factors, system cleared | 10/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 135 (redacted) |  | 34608012 |  | 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 - Endorsement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | The Title-Endorsement Fee was increased on [redacted] . The loan file does not contain a Changed Circumstance regarding the increase fee or a Tolerance cure to the Borrower. |  |  |  | Reviewer Comment (2024-11-07): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2024-11-05): PCCD and payment history reflecting PR uploaded. |  | 11/07/2024 |  | 2 C B |  | FL | 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) | 135 (redacted) |  | 34608013 |  | 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] . Insufficient or no cure was provided to the borrower. | The Title-Lender Title Fee was increased on[redacted] The loan file does not contain a Changed Circumstance regarding the increase fee or a Tolerance cure to the Borrower. |  |  |  | Reviewer Comment (2024-11-04): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2024-10-31): PCCD and payment history reflecting PR uploaded. |  | 11/04/2024 |  | 2 C B |  | FL | 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) | 136 (redacted) |  | 34608017 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The required reserves is [redacted] months, to use proceeds from subject loan closing the Borrower must have a [redacted] score the Borrower's FICO is[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>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-24): Lender Exception with Compensating Factors. |  |  | 10/24/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 34608018 |  | 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. | The required reserves is [redacted] months, to use proceeds from subject loan closing the Borrower must have a [redacted] score the Borrower's FICO is [redacted] |  |  |  | Reviewer Comment (2024-10-24): Lender Exception with Compensating Factors, system cleared. | 10/24/2024 |  |  | 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) | 136 (redacted) |  | 34608019 |  | 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. | The required reserves is [redacted] months, to use proceeds from subject loan closing the Borrower must have a[redacted] score the Borrower's FICO is [redacted] |  |  |  | Reviewer Comment (2024-10-24): Lender Exception with Compensating Factors, system cleared. | 10/24/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 136 (redacted) |  | 34608020 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The required reserves is [redacted] months, to use proceeds from subject loan closing the Borrower must have a [redacted] score the Borrower's FICO is [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>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-24): Lender Exception with Compensating Factors. |  |  | 10/24/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 137 (redacted) |  | 34608023 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two individuals on the bank statements used for income and only one of the individuals is on the subject loan. Guidelines require all individuals on bank statements to be on the loan. | 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>Miscellaneous | Residual income [redacted]<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender exception with compensating factors. |  |  | 10/25/2024 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 137 (redacted) |  | 34608024 |  | 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. | The loan file does not document the Borrower has been self employed for [redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2025-04-29): Operating agreement provided, system cleared.<br>Buyer Comment (2025-04-23): Please see documentation attached to finding [redacted].<br>Reviewer Comment (2024-12-12): A Registered Agent is not required to be an owner, just someone legal documents can be sent to. The state licensing shows the borrower's license is Inactive, there are no Active Company Appointments, only Terminated [redacted]. (Licenses do not state ownership of a business, or length and percentage of self-employment.)<br>Buyer Comment (2024-11-27): Please see documentation attached to finding [redacted].<br>Reviewer Comment (2024-11-14): Exception Remains - Required confirmation from CPA which should mentioned borrowers ownership percentage and line of business years.<br>Buyer Comment (2024-11-12): Documentation previously provided from the secretary of state indicates the business was originated [redacted], is currently active and our borrower is the registered agent. Business address and phone number are our borrower's residence and cell phone as evidenced by the [redacted] print out included. [redacted] year employment history has been documented and ownership as borrower is the only registered agent of the business<br>Reviewer Comment (2024-11-06): File is missing documents which confirms borrower ownership in the business. Exception remains.<br>Buyer Comment (2024-11-05): Evidence of borrower's initial business filing [redacted] years prior to app | 04/29/2025 |  |  | 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) | 137 (redacted) |  | 34608025 |  | 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.) | The loan file does not document the Borrower has been self employed for [redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2025-04-29): Operating agreement provided, system cleared.<br>Buyer Comment (2025-04-23): Please see documentation attached to finding [redacted].<br>Reviewer Comment (2024-12-12): A Registered Agent is not required to be an owner, just someone legal documents can be sent to. The state licensing shows the borrower's license is Inactive, there are no Active Company Appointments, only Terminated [redacted]. (Licenses do not state ownership of a business, or length and percentage of self-employment.)<br>Buyer Comment (2024-11-27): Please see documentation attached to finding [redacted].<br>Reviewer Comment (2024-11-14): Exception Remains - Required confirmation from CPA which should mentioned borrowers ownership percentage and line of business years.<br>Buyer Comment (2024-11-12): Documentation previously provided from the secretary of state indicates the business was originated [redacted], is currently active and our borrower is the registered agent. Business address and phone number are our borrower's residence and cell phone as evidenced by the [redacted] print out included. [redacted] year employment history has been documented and ownership as borrower is the only registered agent of the business<br>Reviewer Comment (2024-11-06): File is missing documents which confirms borrower ownership in the business. Exception remains.<br>Buyer Comment (2024-11-05): Evidence of borrower's initial business filing [redacted] years prior to app | 04/29/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 137 (redacted) |  | 34608026 |  | 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. | The loan file does not document the Borrower has been self employed for[redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2025-04-29): Operating agreement provided, system cleared.<br>Buyer Comment (2025-04-23): Please see documentation attached to finding [redacted].<br>Reviewer Comment (2024-12-12): A Registered Agent is not required to be an owner, just someone legal documents can be sent to. The state licensing shows the borrower's license is Inactive, there are no Active Company Appointments, only Terminated [redacted]. (Licenses do not state ownership of a business, or length and percentage of self-employment.)<br>Buyer Comment (2024-11-27): Please see documentation attached to finding [redacted].<br>Reviewer Comment (2024-11-14): Exception Remains - Required confirmation from CPA which should mentioned borrowers ownership percentage and line of business years.<br>Buyer Comment (2024-11-13): Please see attached documentation for consideration, borrower listed as director/officer of business<br>Reviewer Comment (2024-11-06): File is missing documents which confirms borrower ownership in the business. Exception remains.<br>Buyer Comment (2024-11-05): Evidence of borrower's initial business filing [redacted] years prior to app | 04/29/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 137 (redacted) |  | 34608027 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not document the Borrower has been self employed for [redacted] years as required by guidelines. |  |  |  | Reviewer Comment (2025-04-29): Operating agreement provided, exception cleared.<br>Buyer Comment (2025-04-23): Attached operating agreement and articles of organization confirming borrower's [redacted]% ownership of the business.<br>Reviewer Comment (2024-12-02): Require CPA letter/ Operating agreement to confirm borrower ownership in business. Exception remains<br>Buyer Comment (2024-11-27): The borrower provided the attached letter of explanation stating he is [redacted]% owner of [redacted] since [redacted] and has been in the same line of work for [redacted] years. State insurance license records confirm these statements, and state business records support the history of the business. Further, a cursory web search confirms the borrower is the founder and managing partner of [redacted]. Evidence attached.<br>Reviewer Comment (2024-11-14): Exception Remains - Required confirmation from CPA which should mentioned borrowers ownership percentage and line of business years.<br>Buyer Comment (2024-11-12): Documentation previously provided from the secretary of state indicates the business was originated [redacted], is currently active and our borrower is the registered agent. Business address and phone number are our borrower's residence and cell phone as evidenced by the [redacted] print out included. [redacted] year employment history has been documented and ownership as borrower is the only registered agent of the business<br>Buyer Comment (2024-11-12): Documentation previously provided from the secretary of state indicates the business was originated [redacted], is currently active and our borrower is the registered agent. Business address and phone number are our borrower's residence and cell phone as evidenced by the [redacted] print out included.[redacted] year employment history has been documented and ownership as borrower is the only registered agent of the business<br>Reviewer Comment (2024-11-06): File is missing documents which confirms borrower ownership in the business. Exception remains.<br>Buyer Comment (2024-11-05): Evidence of borrower's initial business filing [redacted] years prior to app | 04/29/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 138 (redacted) |  | 34608031 |  | 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 in closing disclosure is [redacted] and loan estimate reflects [redacted] |  |  |  | Reviewer Comment (2024-10-25): System cleared after Lender Exception with Compensating Factors provided. | 10/25/2024 |  |  | 1 C A |  | TN | 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) | 138 (redacted) |  | 34608033 |  | 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 Matrix for Grade C reflects a minimum credit score of [redacted] . The Borrowers minimum credit score is [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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender Exception with Compensating Factors provided. |  |  | 10/25/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 138 (redacted) |  | 34608034 |  | 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 Matrix for Grade C credit reflects a Maximum LTV of [redacted] for a Full Document Cash-Out Refinance. The calculated LTV/CLTV for subject loan is [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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender Exception with Compensating Factors provided. The subject LTV of [redacted]% exceeds guidelines of the maximum LTV of [redacted]%. |  |  | 10/25/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 138 (redacted) |  | 34608036 |  | 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 ___. | The Matrix for Grade C Credit reflects a maximum DTI of [redacted] . The subject loan reflects a DTI 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender Exception with Compensating Factors provided. |  |  | 10/25/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 138 (redacted) |  | 34608037 |  | 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. | The Matrix for Grade C reflects a minimum credit score of [redacted] . The Borrowers minimum credit score is [redacted] . The Matrix for Grade C Credit reflects a maximum DTI of [redacted] The subject loan reflects a DTI of [redacted] . The Borrower has[redacted] within the past [redacted] months. The Matrix reflects [redacted] for the most recent [redacted] month mortgage history. \*\*\*Update [redacted] - Payment history within Guidelines. |  |  |  | Reviewer Comment (2024-10-25): System cleared after Lender Exception with Compensating Factors provided. | 10/25/2024 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 138 (redacted) |  | 34608038 |  | 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. | The Matrix for Grade C reflects a minimum credit score of [redacted] . The Borrowers minimum credit score is [redacted] The Matrix for Grade C Credit reflects a maximum DTI of [redacted] The subject loan reflects a DTI of [redacted] . The Borrower has [redacted] within the past[redacted] months. The Matrix reflects [redacted] for the most recent [redacted] month mortgage history. \*\*\*Update [redacted] - Payment history within Guidelines. |  |  |  | Reviewer Comment (2024-10-25): System cleared after Lender Exception with Compensating Factors provided. | 10/25/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 138 (redacted) |  | 34608039 |  | 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] : 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.) | The Matrix for Grade C Credit reflects a maximum DTI of[redacted] . The subject loan reflects a DTI 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender Exception with Compensating Factors provided. |  |  | 10/25/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 138 (redacted) |  | 34608040 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Matrix for Grade C reflects a minimum credit score of [redacted] . The Borrowers minimum credit score is [redacted] The Matrix for Grade C Credit reflects a maximum DTI of [redacted] . The subject loan reflects a DTI of [redacted] . The Borrower has [redacted] within the past [redacted] months. The Matrix reflects [redacted] for the most recent [redacted] month mortgage history. \*\*\*Update [redacted] - Payment history within 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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-10-25): Lender Exception with Compensating Factors provided. |  |  | 10/25/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 139 (redacted) |  | 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) | 139 (redacted) |  | 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) | 139 (redacted) |  | 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) | 140 (redacted) |  | 34608052 |  | 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[redacted] Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | 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 H-[redacted] form was used, the H-[redacted] form should have been used. |  |  |  | Reviewer Comment (2025-01-26): Documents received, system cleared.<br>Buyer Comment (2025-01-16): Corrected [redacted] attached. | 01/26/2025 |  |  | 1 C A |  | GA | 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 | Non QM | Non QM | Yes |
| (redacted) | 141 (redacted) |  | 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) | 141 (redacted) |  | 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) | 141 (redacted) |  | 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) | 141 (redacted) |  | 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) | 141 (redacted) |  | 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) | 141 (redacted) |  | 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 Flexible Advantage program. Loan was underwritten and approved as a Flexible Advantage program.<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 Flexible Advantage not a Flexible Advantage Plus program. | 12/12/2024 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608068 |  | 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. | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of [redacted] |  |  |  | Reviewer Comment (2024-12-19): Non-QM, DTI exception approved<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded. | 12/19/2024 |  |  | 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) | 142 (redacted) |  | 34608069 |  | 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] significantly exceeds the guideline maximum of [redacted] . (DTI Exception requires compelling compensating factors to consider regrading to [redacted]-B.) | 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 owned the subject property for at least [redacted] years.<br>Borrower has verified disposable income of at least [redacted] | Borrower has been on job [redacted] years.<br>Residual income is[redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2024-12-19): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-19): Compensating factors include residual income, employment history, length of property ownership, and credit history.<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded.<br>Reviewer Comment (2024-12-04): Please provide additional compelling compensating factors as DTI significantly exceeds guidelines. |  |  | 12/19/2024 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608070 |  | 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 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>Miscellaneous | Borrower has been on job [redacted] years.<br>Residual income is[redacted]<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-19): Lender exception with compensating factors.<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded. |  |  | 12/19/2024 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608071 |  | 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. | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of [redacted] |  |  |  | Reviewer Comment (2024-12-19): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded. | 12/19/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608072 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Use of Durable POA for Cash-out transaction and DTI exceeds 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>Miscellaneous | Borrower has been on job [redacted] years.<br>Residual income is[redacted]<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-19): Lender exception with compensating factors.<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded. |  |  | 12/19/2024 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608073 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | 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 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>Miscellaneous | Borrower has been on job [redacted] years.<br>Residual income is[redacted]<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-19): Lender exception with compensating factors.<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded. |  |  | 12/19/2024 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608074 |  | 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.) | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of[redacted] |  |  |  | Reviewer Comment (2024-12-19): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2024-12-11): UPE approved PTC by [redacted] uploaded. | 12/19/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608075 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2024-12-13): Exception Cleared - Data updated as per provided fraud report.<br>Buyer Comment (2024-12-11): Please note, image [redacted] reflects FG with all red flags cleared. | 12/13/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 142 (redacted) |  | 34608076 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A POA was used for a cash out transaction which is 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>Miscellaneous | Borrower has been on job [redacted] years.<br>Residual income is[redacted]<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-04): Lender exception with compensating factors. |  |  | 12/04/2024 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 143 (redacted) |  | 34608080 |  | 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. | Evidence of when the Borrower received the Appraisal dated [redacted] is missing from the loan file. |  |  |  | Reviewer Comment (2024-12-18): Delivery provided, system cleared.<br>Buyer Comment (2024-12-11): Please see proof of appraisal been delivered to borrower | 12/18/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 144 (redacted) |  | 34608084 |  | 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. | Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Please see proof of appraisal been delivered to bwr until [redacted] | 12/29/2024 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 144 (redacted) |  | 34608085 |  | 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 o[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 (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Please see proof of appraisal been delivered to bwr until [redacted] | 12/29/2024 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 144 (redacted) |  | 34608086 |  | 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 (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Please see proof of appraisal been delivered to bwr until [redacted] | 12/29/2024 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 144 (redacted) |  | 34608087 |  | 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 (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Please see Initial and Final Rate Lock | 12/29/2024 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 144 (redacted) |  | 34608088 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2024-12-29): Documents received, system cleared.<br>Buyer Comment (2024-12-17): Please see List of homeownership list attached | 12/29/2024 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 144 (redacted) |  | 34608090 |  | 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 o[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] plus [redacted] or [redacted] . Sufficient, so please provide COC/Final Cd for changed fee amount. |  |  |  | Reviewer Comment (2024-12-03): Sufficient Cure Provided At Closing |  | 12/03/2024 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 144 (redacted) |  | 34608091 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | FICO is less than the guideline minimum of[redacted] |  |  |  | Reviewer Comment (2024-12-29): Corrected guidelines to [redacted] Program. Documents received, system cleared.<br>Buyer Comment (2024-12-17): Could you please review one more time this exception? Per guidelines attached minimum FICO score for LTV less than [redacted]% is [redacted] points. | 12/29/2024 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 34608097 |  | 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. | DTI exceeds guideline maximum. |  |  |  | Reviewer Comment (2025-01-07): Loan is NonQM.<br>Buyer Comment (2024-12-17): Please refer to image [redacted]page [redacted] reflecting [redacted] exception approval for DTI and includes CFs. | 01/07/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 146 (redacted) |  | 34608099 |  | 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] significantly exceeds the guideline maximum o[redacted] . (DTI Exception requires compelling compensating factors to consider regrading to [redacted]-B.) | DTI exceeds guideline maximum. |  |  |  | Buyer Comment (2025-01-07): Approve<br>Reviewer Comment (2025-01-07): Regraded to EV2-B based on lender exception and sufficient compensating factors.<br>Buyer Comment (2025-01-06): Please refer to image [redacted] page [redacted] reflecting [redacted] exception approval for DTI and includes CFs.<br>Buyer Comment (2024-12-17): Please refer to image [redacted]page [redacted] reflecting [redacted] exception approval for DTI and includes CFs. |  |  | 01/07/2025 | 2 C B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 34608100 |  | 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 ___. | DTI exceeds guideline maximum. | 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>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-05): Lender Exception with Compensating Factors<br>Buyer Comment (2024-12-17): Please refer to image [redacted] page [redacted] reflecting [redacted] exception approval for DTI and includes CFs. |  |  | 01/05/2025 | 2 C B |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 146 (redacted) |  | 34608101 |  | 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. | DTI exceeds guideline maximum. |  |  |  | Reviewer Comment (2025-01-05): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2024-12-17): Please refer to image [redacted] page [redacted] reflecting [redacted] exception approval for DTI and includes CFs. | 01/05/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 34608104 |  | 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 - Endorsement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Title - Endorsement 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 (2025-01-08): [redacted] received Letter of Explanation, payment history and Corrected CD.<br>Buyer Comment (2025-01-07): PCCD and additional PR uploaded.<br>Reviewer Comment (2024-12-18): [redacted] Overall cure required on file is $[redacted]and provided Cure is $[redacted]($[redacted]on Final CD and $[redacted]on PCCD). Provide cure docs for additional Cure of $[redacted]. Cure Docs consists of PCCD, LOE, Refund check.<br>Buyer Comment (2024-12-17): PCCD, LOE and payment history reflecting PR uploaded. |  | 01/08/2025 |  | 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) | 147 (redacted) |  | 34608105 |  | 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] . Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance 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 (2025-01-08): [redacted] received Letter of Explanation, payment history and Corrected CD.<br>Buyer Comment (2025-01-07): PCCD and additional PR uploaded.<br>Reviewer Comment (2024-12-18): [redacted] Overall cure required on file is $[redacted] and provided Cure is $[redacted] ($[redacted] on Final CD and $[redacted] on PCCD). Provide cure docs for additional Cure of $[redacted] Cure Docs consists of PCCD, LOE, Refund check.<br>Buyer Comment (2024-12-17): PCCD, LOE and payment history reflecting PR uploaded. |  | 01/08/2025 |  | 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) | 147 (redacted) |  | 34608108 |  | 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] | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience (No FC or SS).<br>Housing Ratio [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Buyer Comment (2024-12-17): Approve<br>Reviewer Comment (2024-12-11): Lender Exception with Compensating Factors provided. |  |  | 12/17/2024 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 34608109 |  | 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 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Prior Homeownership Experience (No FC or SS).<br>Housing Ratio [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Buyer Comment (2024-12-17): Approve<br>Reviewer Comment (2024-12-11): Lender Exception with Compensating Factors provided. |  |  | 12/17/2024 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 34608110 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay [redacted] (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] and evidence of employment start date missing. |  |  |  | Reviewer Comment (2025-01-07): Lender exception provided.<br>Buyer Comment (2024-12-17): All docs uploaded to specific exceptions. | 01/07/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 147 (redacted) |  | 34608111 |  | 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. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] and evidence of employment start date missing. |  |  |  | Reviewer Comment (2025-01-07): Lender exception provided.<br>Buyer Comment (2024-12-17): All docs uploaded to specific exceptions. | 01/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 34608112 |  | 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.) | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] and evidence of employment start date missing. |  |  |  | Reviewer Comment (2025-01-07): Lender exception provided.<br>Buyer Comment (2024-12-17): All docs uploaded to specific exceptions. | 01/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 34608113 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Loan file missing evidence of borrower's employment start date. VVOE in file does not reflect when the borrower became employed, only that they were Active. |  |  |  | Reviewer Comment (2024-12-31): VVOE received and associated. Exception cleared.<br>Buyer Comment (2024-12-17): VVOE uploaded. | 12/31/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 147 (redacted) |  | 34608114 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file missing evidence of borrower's employment start date. VVOE in file does not reflect when the borrower became employed, only that they were Active. |  |  |  | Reviewer Comment (2024-12-31): VVOE received and associated. Exception cleared.<br>Buyer Comment (2024-12-17): VVOE uploaded. | 12/31/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608121 |  | 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 Post Closing Disclosure reflects an escrow deposit of [redacted] and the Initial Escrow disclosure reflects[redacted] |  |  |  | Reviewer Comment (2025-01-21): Initial escrow disclosure provided, system cleared.<br>Buyer Comment (2025-01-08): see signed form attached.<br>Buyer Comment (2025-01-08): Please see update initial escrow acct disclosure attached. | 01/21/2025 |  |  | 1 B A |  | 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) | 149 (redacted) |  | 34608122 |  | 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[redacted] month period of consummation | The Subject Property entered into a Foreclosure status on [redacted] |  |  |  | Reviewer Comment (2025-01-21): Updated, system cleared.<br>Buyer Comment (2025-01-07): Could you please review [redacted] more time this exception? per our records the bwr had a previous loan with us and looks like that has been more than [redacted] months per pymt history attached. Please review documents attached which includes pymt history, CD and payoff statement. | 01/21/2025 |  |  | 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) | 149 (redacted) |  | 34608123 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The guidelines require [redacted] months reserves. | 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. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608124 |  | 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 guidelines require [redacted] months reserves. | 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. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608125 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is in an active foreclosure on the Second Mortgage. The guidelines require the Foreclosure seasoning to be [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. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608126 |  | 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. | Evidence of when the Borrowers received the final dated Appraisal report is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-10): Exception cleared. Received proof of delivery of appraisal and updated correctly.<br>Buyer Comment (2025-01-07): Please see proof of appraisal been delivery to borrower on [redacted]. Closing date dated [redacted] | 01/10/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608127 |  | 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 (2025-01-10): Exception cleared. Received proof of delivery of appraisal and updated correctly.<br>Buyer Comment (2025-01-07): Please see proof of appraisal been delivery to borrower on [redacted]. Closing date dated [redacted] | 01/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608128 |  | 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. | Evidence of when the Borrowers received the final dated Appraisal report is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-10): Exception cleared. Received proof of delivery of appraisal and updated correctly.<br>Buyer Comment (2025-01-07): Please see proof of appraisal been delivery to borrower on [redacted]. Closing date dated [redacted] | 01/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608129 |  | 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. | The required reserves of [redacted] months was not met. |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 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) | 149 (redacted) |  | 34608130 |  | 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. | The required reserves of [redacted] months was not met. |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608131 |  | 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.) | The required reserves of[redacted] months was not met. |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 149 (redacted) |  | 34608132 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The required reserves of[redacted] months was not met. | 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. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 150 (redacted) |  | 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) | 150 (redacted) |  | 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) | 150 (redacted) |  | 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) | 150 (redacted) |  | 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) | 150 (redacted) |  | 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) | 150 (redacted) |  | 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) | 150 (redacted) |  | 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) | 151 (redacted) |  | 34608151 |  | 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 (2024-12-24): Loan is HPML Compliant. | 12/24/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608152 |  | 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. | The minimum credit score required for a Cash-Out Refinance is a [redacted] . The Borrower's credit score is[redacted] The maximum LTV/CLTV on a Cash-Out Refinance is [redacted] %. The calculated LTV/CLTV is [redacted] . The minimum reserves required is [redacted] months. \*\*\*\*UPDATE 0[redacted] Cash out refinance at[redacted] LTV requires a score of[redacted] , borrower only has a [redacted] and the LTV is [redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 151 (redacted) |  | 34608153 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan [redacted] : Mandatory escrow account not established on[redacted] lien mortgage loan. | The Borrower is exempt from paying Property taxes. |  |  |  | Reviewer Comment (2024-12-24): Insurance is escrowed. Borrower is exempt from taxes. Exception cleared. | 12/24/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B A | Non QM | Non QM | Yes |
| (redacted) | 151 (redacted) |  | 34608154 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Mortgage-Related Obligations | Ability to Repay [redacted] : Mortgage-related obligations not considered in loan qualification. | The minimum credit score required for a Cash-Out Refinance is a [redacted] . The Borrower's credit score is [redacted] . The maximum LTV/CLTV on a Cash-Out Refinance is [redacted] . The calculated LTV/CLTV is [redacted] . The minimum reserves required is [redacted] months. \*\*\*\*UPDATE 0[redacted] - Cash out refinance at [redacted] LTV requires a score of [redacted] , borrower only has a [redacted] and the LTV is [redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608155 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay [redacted] : General Ability-to-Repay requirements not satisfied. | The minimum credit score required for a Cash-Out Refinance is a [redacted] . The Borrower's credit score is [redacted] . The maximum LTV/CLTV on a Cash-Out Refinance is [redacted] . The calculated LTV/CLTV is [redacted] . The minimum reserves required is [redacted] months. \*\*\*\*UPDATE [redacted] - Cash out refinance at [redacted] LTV requires a score of[redacted] , borrower only has a [redacted] and the LTV is [redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608156 |  | 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 minimum reserves required is [redacted] months. | Borrower has verified disposable income of at least [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>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608157 |  | 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 minimum credit score required for a Cash-Out Refinance is a [redacted] The Borrower's credit score is [redacted] \*\*\*\*UPDATE [redacted] - Cash out refinance at [redacted] LTV requires a score of[redacted] , borrower only has a[redacted] and the LTV is [redacted] | Borrower has verified disposable income of at least [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>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608158 |  | 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. | The minimum credit score required for a Cash-Out Refinance is a [redacted] . The Borrower's credit score is [redacted] . The maximum LTV/CLTV on a Cash-Out Refinance is [redacted] . The calculated LTV/CLTV is [redacted] . The minimum reserves required is [redacted] months. \*\*\*\*UPDATE [redacted] - Cash out refinance at[redacted] LTV requires a score of [redacted] , borrower only has a [redacted] and the LTV is [redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608159 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The minimum reserves required is [redacted] months. | Borrower has verified disposable income of at least [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>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608160 |  | 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 maximum LTV/CLTV on a Cash-Out Refinance is[redacted] . The calculated LTV/CLTV is [redacted] . \*\*\*\*UPDATE [redacted] - Cash out refinance at[redacted] % LTV requires a score of [redacted] , borrower only has a [redacted] and the LTV is [redacted] . | Borrower has verified disposable income of at least [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>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608162 |  | 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.) | The minimum credit score required for a Cash-Out Refinance is a [redacted] . The Borrower's credit score is [redacted] . The maximum LTV/CLTV on a Cash-Out Refinance is[redacted] . The calculated LTV/CLTV is [redacted] . The minimum reserves required is [redacted] months. \*\*\*\*UPDATE[redacted] - Cash out refinance at [redacted] LTV requires a score of [redacted] , borrower only has a [redacted] and the LTV is [redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 151 (redacted) |  | 34608163 |  | 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 [redacted] Form for a refinancing by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. | The Title reflects the originating Lender is the same as Lender listed on the Note. The Right To Cancel Form should be [redacted] |  |  |  | Buyer Comment (2025-01-21): Accept |  |  | 01/21/2025 | 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) | 151 (redacted) |  | 34608164 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The minimum credit score required for a Cash-Out Refinance is a[redacted] . The Borrower's credit score is[redacted] The maximum LTV/CLTV on a Cash-Out Refinance is [redacted] . The calculated LTV/CLTV is [redacted] . The minimum reserves required is [redacted] months. \*\*\*\*UPDATE [redacted] Cash out refinance at [redacted] % LTV requires a score of [redacted] borrower only has a[redacted] and the LTV is [redacted] . | Borrower has verified disposable income of at least [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>Prior homeownership Experience [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608166 |  | 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 - Abstract/Title Search and Title - Document Preparation Fee . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-22): [redacted] received Letter of Explanation, Payment History and Corrected PCCD.<br>Buyer Comment (2025-01-21): Please see PCCD & Pymt History attached showing a cure for $[redacted]due to increase in settlement charges.<br>Reviewer Comment (2025-01-08): [redacted]: Lender states the baseline should be $[redacted]vs [redacted]calculated amount of $[redacted]. Lender has included the Title - Examination fee $[redacted] in the [redacted]% baseline. However, this fee was not charged to the borrower on the Final CD. A creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. Also, Title - Document Preparation fee and Title - Abstract and Search fee was added later on LE and CD respectively. without proving a valid COC. 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 (2025-01-07): Could you please review [redacted] more time this exception since the base line for the settlement charges showing on the initial LE the amount of $[redacted]plus Recording fees with a total of $[redacted]and the exception received stated that the amount of the base line is $[redacted]. Please provide with more information from what LE or CD was taken the baseline? Thank you |  | 01/22/2025 |  | 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) | 152 (redacted) |  | 34608169 |  | 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 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608170 |  | 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] | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608171 |  | 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. | Creditor did not provide a copy of each valuation (Report Date[redacted] to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-01-10): Received Appraisal delivery document, Exception cleared.<br>Buyer Comment (2025-01-07): Please see proof of appraisal been delivered to bwr on [redacted] | 01/10/2025 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608172 |  | 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 (2025-01-10): Received Appraisal delivery document, Exception cleared.<br>Buyer Comment (2025-01-07): Please see proof of appraisal been delivered to bwr on [redacted] | 01/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608173 |  | 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 (Report Date [redacted] to applicant[redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-01-10): Received Appraisal delivery document, Exception cleared.<br>Buyer Comment (2025-01-07): Please see proof of appraisal been delivered to bwr on [redacted] | 01/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608174 |  | 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 | Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  | Reviewer Comment (2024-12-23): Input Security Instrument date as Notary date for [redacted] loan. | 12/23/2024 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608175 |  | 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 ___. | Calculated loan to value percentage of[redacted] exceeds Guideline loan to value percentage 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608176 |  | 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 ___. | Calculated combined loan to value percentage of [redacted] exceeds Guideline combined loan to value percentage 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608177 |  | 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 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608178 |  | 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. | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of [redacted] and Calculated LTV and CLTV percentage of [redacted] exceeds Guideline combined loan to value percentage of [redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 152 (redacted) |  | 34608179 |  | 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. | Calculated investor qualifying total debt ratio of [redacted] exceeds Guideline total debt ratio of[redacted] and Calculated LTV and CLTV percentage of [redacted] exceeds Guideline combined loan to value percentage of[redacted] |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 152 (redacted) |  | 34608180 |  | 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] : 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.) | Calculated investor qualifying total debt ratio of[redacted] exceeds Guideline total debt ratio of[redacted] and Calculated LTV and CLTV percentage of[redacted] exceeds Guideline combined loan to value percentage 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Prior homeownership Experience [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors |  |  | 12/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 153 (redacted) |  | 34608185 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final Closing Disclosure provided on [redacted] disclosed that tax and insurance have been escrowed. Captured as per the document. |  |  |  | Reviewer Comment (2024-12-30): Cured prior to discovery.<br>Buyer Comment (2024-12-27): Please see image [redacted] CD reflecting taxes and insurance will not be escrowed. |  | 12/30/2024 |  | 2 C B |  | DC | Primary | Refinance - Cash-out - Other | 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) | 153 (redacted) |  | 34608186 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on [redacted] disclosed that tax and insurance have been escrowed. Captured as per the document. |  |  |  | Reviewer Comment (2024-12-30): Cured prior to discovery.<br>Reviewer Comment (2024-12-30): Cancelled in error.<br>Reviewer Comment (2024-12-30): Escrow amounts are acceptable.<br>Buyer Comment (2024-12-27): Please see image [redacted] CD reflecting taxes and insurance will not be escrowed. |  | 12/30/2024 |  | 2 C B |  | DC | Primary | Refinance - Cash-out - Other | 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) | 154 (redacted) |  | 34608192 |  | 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 minimum required reserves is [redacted] months. The Borrowers calculated reserve amount is [redacted] months. | Borrower has owned the subject property for at least [redacted] years.<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]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 154 (redacted) |  | 34608193 |  | 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 minimum required reserves is [redacted] months. The Borrowers calculated reserve amount is [redacted] months. |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 154 (redacted) |  | 34608194 |  | 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. | The minimum required reserves is [redacted] months. The Borrowers calculated reserve amount is [redacted] months. |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 154 (redacted) |  | 34608195 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The minimum required reserves is [redacted] months. The Borrowers calculated reserve amount is [redacted] months. | Borrower has owned the subject property for at least [redacted] years.<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]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors. |  |  | 12/23/2024 | 2 B |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 154 (redacted) |  | 34608196 |  | 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 minimum required reserves is [redacted] months. The Borrowers calculated reserve amount is [redacted] months. |  |  |  | Reviewer Comment (2024-12-23): Lender Exception with Compensating Factors, system cleared. | 12/23/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 154 (redacted) |  | 34608197 |  | 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 (2024-12-20): Sufficient Cure Provided At Closing |  | 12/20/2024 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 154 (redacted) |  | 34608198 |  | 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 (2024-12-31): 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 (2024-12-27): Please see PCCD attached reflecting a lender credit for $[redacted]enough to cure increase in the settlement charges. | 12/31/2024 |  |  | 1 C A |  | CO | 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) | 154 (redacted) |  | 34608199 |  | 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. | 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 (2025-01-08): [redacted] received COC dated [redacted] for change in program and comp plan.<br>Buyer Comment (2025-01-07): No cure is needed. Broker fee was added to the file due to the loan program does not match the approved loan program. Please see Lock Rate Confirmation dated on [redacted] which stated that and then the next rate lock confirmation shows that paid broker's compensation. also see COC letter, proof of delivery and CD dated [redacted] | 01/08/2025 |  |  | 1 C A |  | CO | 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) | 155 (redacted) |  | 34608204 |  | 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 ___. | An Alt Document Cash-Out Refinance on a Primary Residential Loan with a [redacted]score has a maximum LTV/CLTV of [redacted]%. The Borrowers calculated LTV/CLTV is [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 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>Qualifying Ratios of [redacted] or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-26): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-01-16): Please refer to image [redacted], pages [redacted] reflecting UPE approved PTC by [redacted] for LTV/CLTV. |  |  | 01/26/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 34608205 |  | 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 ___. | An Alt Document Cash-Out Refinance on a Primary Residential Loan with a [redacted] score has a maximum LTV/CLTV of [redacted]%. The Borrowers calculated LTV/CLTV is [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 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>Qualifying Ratios of [redacted] or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-26): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-01-16): Please refer to image [redacted], pages [redacted] reflecting UPE approved PTC by [redacted] for LTV/CLTV. |  |  | 01/26/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 34608206 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | An Alt Document Cash-Out Refinance on a Primary Residential Loan with a [redacted] score has a maximum LTV/CLTV of [redacted]%. The Borrowers calculated LTV/CLTV is [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 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>Qualifying Ratios of [redacted] or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-26): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-01-16): Please refer to image [redacted], pages [redacted] reflecting UPE approved PTC by [redacted] for LTV/CLTV. |  |  | 01/26/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 155 (redacted) |  | 34608207 |  | 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. | The Title reflects the Originating Lender is the same as the Lender listed on the Note. The Right To Cancel should be placed on a H-9 form. |  |  |  | Buyer Comment (2025-01-16): Approve |  |  | 01/16/2025 | 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) | 156 (redacted) |  | 34608208 |  | 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. | Evidence of when the Borrower received the final Appraisal report is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-24): Documents received, system cleared.<br>Buyer Comment (2025-01-15): Please see proof appraisal been delivered to bwr on [redacted]. | 01/24/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 34608209 |  | 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 (2025-01-24): Documents received, system cleared.<br>Buyer Comment (2025-01-15): Please see proof appraisal been delivered to bwr on [redacted]. | 01/24/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 34608210 |  | 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. | Evidence of when the Borrower received the final Appraisal report is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-24): Documents received, system cleared.<br>Buyer Comment (2025-01-15): Please see proof appraisal been delivered to bwr on [redacted]. | 01/24/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 34608211 |  | 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. | Evidence of when the Borrower received the final Appraisal report is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-24): Documents received, system cleared.<br>Buyer Comment (2025-01-15): Please see proof appraisal been delivered to bwr on [redacted]. | 01/24/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 34608213 |  | 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]. The changed circumstance reflecting the actual title cost changes is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-09): Documents received, system cleared. | 01/09/2025 |  |  | 1 C A |  | 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) | 156 (redacted) |  | 34608215 |  | 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 ___. | The minimum loan amount is $[redacted] and the Borrower's loan amount 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>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Qualifying Ratios of [redacted]or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-09): Lender Exception with Compensating Factors. |  |  | 01/09/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 156 (redacted) |  | 34608216 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The minimum loan amount is $[redacted] and the Borrower's loan amount 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>The qualifying DTI on the loan is at least [redacted] % less than the guideline maximum.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Qualifying Ratios of [redacted]or less<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-09): Lender Exception with Compensating Factors. |  |  | 01/09/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 34608219 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent not provided. |  |  |  | Buyer Comment (2025-02-01): Approve<br>Reviewer Comment (2025-01-27): Provided Evidence of Taxpayer Consent is initial final required. Exception remains<br>Buyer Comment (2025-01-24): Disclosure uploaded. |  |  | 02/01/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 34608221 |  | 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. | The file is missing a valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided At Closing |  | 01/03/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 157 (redacted) |  | 34608222 |  | 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 Verification Of Employment Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The file is missing a valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-03): Sufficient Cure Provided At Closing |  | 01/03/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 157 (redacted) |  | 34608223 |  | 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 designation discrepancy is due to the DTI being greater than [redacted]%. Lender only using [redacted] student loan payments to qualify per final [redacted]application when there are [redacted] student loan payments listed on the credit report. (MODPED $[redacted], Dept of ED $[redacted], MODPED $[redacted]and [redacted] $[redacted]payments were not included in DTI calculations) |  |  |  | Reviewer Comment (2025-02-01): Documents received, system cleared.<br>Buyer Comment (2025-01-28): Response regarding accounts uploaded. Accounts are duplicates. | 02/01/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 157 (redacted) |  | 34608224 |  | 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. |  |  |  |  | Reviewer Comment (2025-02-01): Documents received, system cleared.<br>Buyer Comment (2025-01-24): Disclosure uploaded. | 02/01/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 34608225 |  | 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] business days from transaction date of[redacted] |  |  |  |  | Reviewer Comment (2025-02-26): [redacted] CD signed on [redacted] contained material disclosure. Overrode Transaction Date to [redacted]. Exceptions cleared.<br>Reviewer Comment (2025-02-13): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]<br>Reviewer Comment (2025-02-13): Final CD in file dated [redacted] is not signed, [redacted] day mail rule applies. This makes the transaction date [redacted]. Provide a signed and dated CD to consider a different transaction date for recession timing.<br>Buyer Comment (2025-02-01): Please review, expiration date is before disbursement date and meets waiting period.<br>Reviewer Comment (2025-02-01): Right to cancel expiration date is [redacted] and disbursement date is [redacted].<br>Buyer Comment (2025-01-24): [redacted] uploaded. | 02/26/2025 |  |  | 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) | 157 (redacted) |  | 34608226 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Provided to All Parties Test | TILA-RESPA Integrated Disclosure: Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. | Closing Disclosure was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  |  | Reviewer Comment (2025-02-06): [redacted] received Corected CD and LOE to borrower<br>Buyer Comment (2025-02-05): Please note, CD [redacted] is post consummation (funder CD) updated non-material.<br>Reviewer Comment (2025-01-28): [redacted] received Disclosure tracking for [redacted] initial CD. However, the exception relates to the final CD issued [redacted] . (see Doc ID [redacted]) which has no signatures. Please provide proof final CD was received by all consumers.<br>Buyer Comment (2025-01-24): Disclosure tracking details reflecting all borrowers received CD. | 02/06/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure, and proof of delivery and NORTC if reopened rescission required B A | Non QM | Non QM | Yes |
| (redacted) | 157 (redacted) |  | 34608227 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] CMPA Home Loan Toolkit Status | [redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Home Loan Toolkit not provided. |  |  |  | Buyer Comment (2025-01-28): Approve |  |  | 01/28/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 34608228 |  | 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). | Right to Cancel occurs prior to expected date. |  |  |  | Reviewer Comment (2025-02-26): [redacted] CD signed on [redacted]contained material disclosure. Overrode Transaction Date to [redacted]. Exceptions cleared.<br>Reviewer Comment (2025-02-13): Final CD in file dated [redacted] is not signed, [redacted] day mail rule applies. This makes the transaction date [redacted]. Provide a signed and dated CD to consider a different transaction date for recession timing.<br>Buyer Comment (2025-02-01): Please re-review, expiration date is prior to disbursement date and meets waiting period.<br>Reviewer Comment (2025-02-01): Right to cancel expiration date is [redacted] and disbursement date is [redacted]<br>Buyer Comment (2025-01-24): [redacted] uploaded. | 02/26/2025 |  |  | 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) | 157 (redacted) |  | 34608229 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The loan designation discrepancy is due to the DTI being greater than [redacted]%. Lender only using [redacted] student loan payments to qualify per final [redacted]application when there are [redacted] student loan payments listed on the credit report. ([redacted]$[redacted], Dept of ED $[redacted], [redacted]$[redacted]and [redacted] $[redacted] payments were not included in DTI calculations) |  |  |  | Reviewer Comment (2025-02-01): Documents received, system cleared.<br>Reviewer Comment (2025-01-30): As per the correspondence received the tradeline seems to be the same and is reporting to different agencies but there is a variance in the payment amount and the balance being reported also the name of the company is different exception remains.<br>Buyer Comment (2025-01-28): Response regarding accounts uploaded. Accounts are duplicates. | 02/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 34608230 |  | 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. | The loan designation discrepancy is due to the DTI being greater than [redacted]%. Lender only using [redacted] student loan payments to qualify per final [redacted]application when there are [redacted]student loan payments listed on the credit report. (MODPED $[redacted], Dept of ED $[redacted], MODPED $[redacted]and MODPED $XXXX payments were not included in DTI calculations) |  |  |  | Reviewer Comment (2025-02-01): Documents received, system cleared.<br>Buyer Comment (2025-01-28): Response regarding accounts uploaded. Accounts are duplicates. | 02/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 157 (redacted) |  | 34608231 |  | 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. | No cure or valid CoC provided. |  |  |  | Reviewer Comment (2025-02-05): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded. |  | 02/05/2025 |  | 2 C B |  | MI | 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) | 157 (redacted) |  | 34608232 |  | 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]. Insufficient or no cure was provided to the borrower. | No cure or valid CoC provided. |  |  |  | Reviewer Comment (2025-02-05): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-05): PCCD and payment history reflecting PR uploaded. |  | 02/05/2025 |  | 2 C B |  | MI | 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) | 157 (redacted) |  | 34608234 |  | 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 [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]-B.) |  |  |  |  | Reviewer Comment (2025-02-01): Documents received, system cleared.<br>Buyer Comment (2025-01-28): Response regarding accounts uploaded. Accounts are duplicates. | 02/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 158 (redacted) |  | 34608235 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Rider-PUD not found in loan file. |  |  |  | Reviewer Comment (2025-01-24): PUD rider provided, exception cleared.<br>Buyer Comment (2025-01-15): Please see the final DOT along with the PUD rider attached | 01/24/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Non QM | Non QM | No |
| (redacted) | 158 (redacted) |  | 34608241 |  | 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. |  |  |  |  | Reviewer Comment (2025-01-24): Proof of delivery provided, system cleared.<br>Buyer Comment (2025-01-24): Please see proof of appraisal been delivered to bwr on [redacted] | 01/24/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Non QM | Non QM | No |
| (redacted) | 159 (redacted) |  | 34608245 |  | 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 Credit A, Cash-Out refinance with a Credit Score of [redacted], has a maximum LTV/CLTV of [redacted]%. The Loan was approved at [redacted]%LTV/CLTV. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-09): Lender Exception with Compensating Factors. |  |  | 01/09/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 159 (redacted) |  | 34608247 |  | 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 Initial Loan Estimate did not reflect a Credit Reissue fee, the Closing Disclosure issued on [redacted] reflects a Credit Reissue fee in the amount of $[redacted]. The loan file did not contain evidence of a changed circumstance adding the fee. The Post Close CD issued on [redacted] did not reflect a Cure but page [redacted] does reflect increase exceeds legal limit by $[redacted]. |  |  |  | Reviewer Comment (2025-01-16): [redacted] received Letter of Explanation, Pay history and Corrected CD.<br>Buyer Comment (2025-01-15): Could you please review this exception one more time? The original binder listed a PCCD and pymt history showing a cure for $[redacted] for exceeding credit report fee. Please pages # [redacted]to [redacted] of the original binder. Thank you |  | 01/16/2025 |  | 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) | 159 (redacted) |  | 34608248 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Credit A, Cash-Out refinance with a Credit Score of 612, has a maximum LTV/CLTV of [redacted]%. The Loan was approved at [redacted]%LTV/CLTV. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-09): Lender Exception with Compensating Factors. |  |  | 01/09/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 159 (redacted) |  | 34608249 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) 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 (2025-01-16): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/16/2025 |  | 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) | 161 (redacted) |  | 34608254 |  | 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. | Evidence the Borrower received the revised appraisal report at lease [redacted] business days prior to closing is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-28): Received appraisal notice document. Exception cleared.<br>Buyer Comment (2025-01-27): Please see proof of appraisal been delivered to bwr attached. | 01/28/2025 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608255 |  | 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 (2025-01-28): Received appraisal notice document. Exception cleared.<br>Buyer Comment (2025-01-27): Please see proof of appraisal been delivered to bwr | 01/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608256 |  | 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. | Evidence the Borrower received the revised appraisal report at lease [redacted] days prior to closing is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-28): Received appraisal notice document. Exception cleared.<br>Buyer Comment (2025-01-27): Please proof of appraisal been delivered to bwr on [redacted] | 01/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608258 |  | 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] business days from transaction date of [redacted]. | The final signed and dated Closing Disclosure has the Closing Date crossed out on page 1 and revised to reflect [redacted] as the closing and signed dated. However, they did not correct the Disbursement date as it reflects [redacted]. |  |  |  | Reviewer Comment (2025-03-04): Provided the following: Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form<br>Buyer Comment (2025-02-28): Please see [redacted] attached. |  | 03/04/2025 |  | 2 C B |  | GA | 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) | 161 (redacted) |  | 34608259 |  | 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). | The final signed and dated Closing Disclosure has the Closing Date crossed out on page 1 and revised to reflect [redacted] as the closing and signed dated. However, they did not correct the Disbursement date as it still reflects [redacted]. |  |  |  | Reviewer Comment (2025-03-04): Provided the following: Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form<br>Buyer Comment (2025-02-28): Please see [redacted] attached |  | 03/04/2025 |  | 2 C B |  | GA | 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) | 161 (redacted) |  | 34608260 |  | 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 the required [redacted] months reserves. | 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 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 > $[redacted].<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors. |  |  | 01/22/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608261 |  | 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 Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors, system cleared. | 01/22/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 161 (redacted) |  | 34608262 |  | 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. | The Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors, system cleared. | 01/22/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608263 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower does not have the required [redacted] months reserves. | 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 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 > $[redacted].<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors. |  |  | 01/22/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608264 |  | 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 Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors, system cleared. | 01/22/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 161 (redacted) |  | 34608265 |  | 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 Credit Reissue date was $[redacted]on the Initial Closing Disclosure issued on [redacted]. The fee was increased on the Closing Disclosure issued on [redacted] to $[redacted] The Changed Circumstance within the loan file for [redacted] does not contain verbiage for the increased credit fee. The final signed and dated Closing Disclosure does not reflect a tolerance cure for the increased fee. |  |  |  | Reviewer Comment (2025-02-13): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-13): principal reduction applied for cure<br>Buyer Comment (2025-02-13): PCCD with cure applied and cover letter to borrower<br>Reviewer Comment (2025-02-06): [redacted] received Post CD dated [redacted] along with pay history. However, the provided Post CD is not reflecting principal reduction to borrower for exceeding legal limits. Kindly provide updated Post CD along with LOX in order to cure the exception.<br>Buyer Comment (2025-02-05): PCCD & PH<br>Reviewer Comment (2025-01-29): [redacted] received PCCD and payment history, however PCCD provided doesn't show principal reduction for cure amount. Please provide updated PCCD with cure amount and LOE to cure the exception.<br>Buyer Comment (2025-01-27): Please see a PCCD attached showing a cure for $[redacted] which includes increased in the credit report fee and settlement charges. No additional cure is required in this file. Thank you |  | 02/13/2025 |  | 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) | 162 (redacted) |  | 34608271 |  | 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. | The Rate Lock Confirmation is missing from the loan file. |  |  |  | Buyer Comment (2025-02-14): \* |  |  | 02/14/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 162 (redacted) |  | 34608273 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower does not have the required [redacted] months reserves. | 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>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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [redacted] or less.<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 162 (redacted) |  | 34608274 |  | 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 the required [redacted] months reserves. | 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>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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Qualifying Ratios of [redacted] or less.<br>Prior Homeownership Experience (No FC or SS). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. |  |  | 01/22/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 162 (redacted) |  | 34608275 |  | 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 Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. | 01/22/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 162 (redacted) |  | 34608276 |  | 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. | The Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. | 01/22/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 162 (redacted) |  | 34608277 |  | 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 Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-01-22): Lender Exception with Compensating Factors provided. | 01/22/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 163 (redacted) |  | 34608278 |  | 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 (2025-03-10): Original appraisal provided. System cleared.<br>Reviewer Comment (2025-03-04): Please provide a copy of the report sent to the borrower on [redacted]. The [redacted] report does not state that there was no value change from the prior report. Trailing docs contained snips of contract price but not subject determined value with date.<br>Buyer Comment (2025-03-03): [redacted]<br>Reviewer Comment (2025-02-21): Per file review and [redacted] in file, page [redacted] of [redacted], the loan exceeds Reg [redacted] Section [redacted] Higher-Priced Transaction Threshold of [redacted]%, with an APR of [redacted]%. All appraisals are required to be received by the borrower at least [redacted] days prior to closing. Report in file is dated after closing. Please provide a copy of the prior to closing reports.<br>Buyer Comment (2025-02-19): [redacted]<br>Reviewer Comment (2025-02-03): Delivery of [redacted] report is required. Please provide evidence of delivery of [redacted] report to borrower.<br>Buyer Comment (2025-01-27): The appraisal report dated on [redacted] is an update report generated to fix or update the date of the contract purchase from [redacted] to [redacted] please see attached screenshots attached so report to fix or update information. see attached proof of the appraisal report dated [redacted] | 03/10/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 163 (redacted) |  | 34608279 |  | 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 applican [redacted] business days prior to consummation. | File is missing evidence of receipt of valuation. |  |  |  | Reviewer Comment (2025-03-10): Original appraisal provided. System cleared.<br>Reviewer Comment (2025-03-10): The [redacted] in file and our compliance run reflect loan as high priced. Delivery of appraisal report must be [redacted] business days prior to closing. Exception remains.<br>Buyer Comment (2025-03-05): The [redacted] report is the attached desk review. Initial valuation was $[redacted], desk review concurred $[redacted], and [redacted] update remained at $[redacted].<br>Reviewer Comment (2025-03-04): Please provide a copy of the report sent to the borrower on [redacted]. The [redacted] report does not state that there was no value change from the prior report. Trailing docs contained snips of contract price but not subject determined value with date.<br>Buyer Comment (2025-02-28): [redacted] regulations state lenders may waive the delivery timing requirements when the applicant provides the creditor an affirmative written or oral statement, OR "when the waiver pertains solely to the applicant's receipt of a copy of an appraisal or other written valuation that contains only clerical changes from a previous version." The latter is the case here, as the valuation was not impacted. The only change was to remove the unit number from the address description on page [redacted]<br>Reviewer Comment (2025-02-21): Per file review and [redacted] in file, page [redacted] of [redacted], the loan exceeds Reg [redacted] Section [redacted] Higher-Priced Transaction Threshold of [redacted]%, with an APR of [redacted]%. All appraisals are required to be received by the borrower at least [redacted] days prior to closing. Report in file is dated after closing. Please provide a copy of the prior to closing reports.<br>Buyer Comment (2025-02-19): That is not accurate. If valuation is not impacted by an appraisal update, it can be delivered post-close. This would be considered a grade [redacted] exception.<br>Reviewer Comment (2025-02-18): HPML requires final appraisal report delivered [redacted] business days prior to consummation date.<br>Buyer Comment (2025-02-05): Post-closing delivery attached. Note valuation was not impacted and this update to the appraisal was completed post closing.<br>Reviewer Comment (2025-02-03): Delivery of [redacted] report is required. Please provide evidence of delivery of [redacted] report to borrower.<br>Buyer Comment (2025-01-27): The appraisal report dated on [redacted] is an update report generated to fix or update the date of the contract purchase from [redacted] to [redacted] please see attached screenshots attached so report to fix or update information. see attached proof of the appraisal report dated [redacted] | 03/10/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 163 (redacted) |  | 34608285 |  | 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] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-10): Client elects to Waive. |  |  | 03/10/2025 | 2 B |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 164 (redacted) |  | 34608289 |  | 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 the required [redacted] months reserves. | 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>The Combined Loan to Value (CLTV) 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 [redaceted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-04): Lender exception with compensating factors.<br>Buyer Comment (2025-01-28): UPE approved PTC by [redacted] with mitigating factors. Please note, approval by [redacted] meets requirements.<br>Reviewer Comment (2025-01-23): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. Compensating factors do not include any comp factors from category A. |  |  | 02/04/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 164 (redacted) |  | 34608290 |  | 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 Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-02-04): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-28): UPE approved PTC by [redacted] with mitigating factors. Please note, approval by [redacted] meets requirements.<br>Reviewer Comment (2025-01-23): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. Compensating factors do not include any comp factors from category A. | 02/04/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 164 (redacted) |  | 34608291 |  | 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. | The Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-02-04): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-28): UPE approved PTC by [redacted] with mitigating factors. Please note, approval by [redacted] meets requirements.<br>Reviewer Comment (2025-01-23): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. Compensating factors do not include any comp factors from category A. | 02/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 164 (redacted) |  | 34608292 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower does not have the required [redacted] months reserves. | 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>The Combined Loan to Value (CLTV) 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 [redaceted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-04): Lender exception with compensating factors.<br>Buyer Comment (2025-01-28): UPE approved PTC by [redacted] with mitigating factors. Please note, approval by [redacted] meets requirements.<br>Reviewer Comment (2025-01-23): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. Compensating factors do not include any comp factors from category A. |  |  | 02/04/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 164 (redacted) |  | 34608293 |  | 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 Borrower does not have the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-02-04): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-28): UPE approved PTC by [redacted] with mitigating factors. Please note, approval by [redacted] meets requirements.<br>Reviewer Comment (2025-01-23): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. Compensating factors do not include any comp factors from category A. | 02/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 164 (redacted) |  | 34608294 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Spousal Consent Form is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-30): Disclaimer Deed document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-01-29): Disclaimer deed uploaded. | 01/30/2025 |  |  | 1 C A D |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 165 (redacted) |  | 34608299 |  | 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. | Initial percentage of loan discount points was [redacted]%. There was a change of circumstance for the loan increase, however the Discount points should only have gone up proportionately, at [redacted]% of the new loan amount. The Discount Points increased to [redacted]% with the reason for the increase and documentation to support the change not being addressed on the COC. |  |  |  | Reviewer Comment (2025-02-17): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-02-14): Please see rate lock uploaded supporting cost for rate at time of relock was [redacted]%<br>Reviewer Comment (2025-01-30): [redacted]: The COC dated [redacted] that was provided in the trailing images was also provided in the original loan package indicates reason for loan amount changed. However, the discount point rate ([redacted]% increased from [redacted]%) did not change proportionately with the loan amount change and is not a valid reason for the discount point rate increased to add the discount point fee increase. Provide additional information to support a pricing change for the discount point fee added or cure would be due.<br>Buyer Comment (2025-01-28): .<br>Buyer Comment (2025-01-28): No additional cure is required to this file. The discount point fee was increase due to Loan Amount change, Rate lock/relock/lock extension, change in settlement charges. please see valid COC and proof of delivery. see attached documents | 02/17/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 166 (redacted) |  | 34608301 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Invalid MERS Min Number |  | MERS number verified per Security Instrument |  |  |  | Reviewer Comment (2025-02-04): Recorded Security Instrument received and MERS no updated. Exception cleared<br>Buyer Comment (2025-02-03): Recorded security instrument uploaded.<br>Reviewer Comment (2025-01-31): Invalid MERS no provided on Security Instrument. Exception remains<br>Buyer Comment (2025-01-30): Please refer to image [redacted], security instrument reflects correct MIN number. | 02/04/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 166 (redacted) |  | 34608304 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  | Reviewer Comment (2025-02-04): Exception cleared. NMLS details updated correctly.<br>Buyer Comment (2025-02-03): Evidence LO was licensed prior to loan closing. | 02/04/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 166 (redacted) |  | 34608305 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  | Reviewer Comment (2025-02-04): Exception cleared. NMLS details updated correctly.<br>Buyer Comment (2025-02-03): Evidence LO was licensed prior to loan closing. | 02/04/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 166 (redacted) |  | 34608306 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is marked rural which is 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>The qualifying DTI on the loan is at least [redaceted]% 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]%.<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-05): Lender exception with compensating factors.<br>Buyer Comment (2025-01-30): UPE approved PTC uploaded with CFs and mitigating factors. Please note, exception is [redacted] approved and a CF from category A is not required.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. Lender exception is missing comp factors from category A. |  |  | 02/05/2025 | 2 C B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 166 (redacted) |  | 34608307 |  | 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 file does not document the required [redacted] months reserves. | 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>The qualifying DTI on the loan is at least [redaceted]% 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]%.<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-05): Lender exception with compensating factors.<br>Buyer Comment (2025-01-30): UPE approved PTC uploaded with CFs and mitigating factors. Please note, exception is [redacted] approved and a CF from category A is not required.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. Lender exception is missing comp factors from category A. |  |  | 02/05/2025 | 2 C B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 166 (redacted) |  | 34608308 |  | 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 does not document the required [redacted] months reserves. The Borrower has one credit score reporting when two are required. |  |  |  | Reviewer Comment (2025-02-05): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-30): UPE approved PTC uploaded with CFs and mitigating factors. Please note, exception is [redacted] approved and a CF from category A is not required.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. Lender exception is missing comp factors from category A. | 02/05/2025 |  |  | 1 B A C |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 166 (redacted) |  | 34608309 |  | 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. | The loan file does not document the required [redacted] months reserves. The Borrower has one credit score reporting when two are required. |  |  |  | Reviewer Comment (2025-02-05): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-01-30): UPE approved PTC uploaded with CFs and mitigating factors. Please note, exception is [redacted] approved and a CF from category A is not required.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. Lender exception is missing comp factors from category A. | 02/05/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 166 (redacted) |  | 34608310 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower has one credit score reporting when two are required. | 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>The qualifying DTI on the loan is at least [redaceted]% 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]%.<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-05): Lender exception with compensating factors.<br>Buyer Comment (2025-01-30): UPE approved PTC uploaded with CFs and mitigating factors. Please note, exception is [redacted] approved and a CF from category A is not required.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. Lender exception is missing comp factors from category A. |  |  | 02/05/2025 | 2 C B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 167 (redacted) |  | 34608312 |  | 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 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'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>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Prior homeownershp experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-24): Lender exception with compensating factors. |  |  | 01/24/2025 | 2 B |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 167 (redacted) |  | 34608313 |  | 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 (2025-01-24): Lender exception with compensating factors, system cleared. | 01/24/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 167 (redacted) |  | 34608314 |  | 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 (2025-01-24): Lender exception with compensating factors, system cleared. | 01/24/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 167 (redacted) |  | 34608315 |  | 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]. | 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'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>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Prior homeownershp experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-01-24): Lender exception with compensating factors. |  |  | 01/24/2025 | 2 B |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 167 (redacted) |  | 34608316 |  | 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.) | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-01-24): Lender exception with compensating factors, system cleared. | 01/24/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 168 (redacted) |  | 34608319 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | [redacted] Constitution Section [redacted]: Acknowledgment of the Fair Market Value not signed by borrower or lender at or before closing. | Acknowledgment of the Fair Market Value not signed by lender at or before closing. |  |  |  | Reviewer Comment (2025-02-11): Forms provided and dated correctly.<br>Buyer Comment (2025-01-30): Disclosure uploaded. | 02/11/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 168 (redacted) |  | 34608322 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [redacted] is less than Guideline required FICO score 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>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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Residual income of $[redacted]or greater.<br>Qualifying ratios of [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-11): Lender Exception with Compensating Factors provided.<br>Buyer Comment (2025-01-30): Please note, exception approved by [redacted] with [redacted] CFs from category A. CF from category B is not required.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. Comp factors from category B have not been provided. |  |  | 02/11/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608328 |  | 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. | Evidence the Borrower received the final appraisal report at least [redacted] days prior to the Note. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Attached. | 02/18/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608331 |  | 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 ___. | The Borrowers loan amount is $[redacted]. The Guidelines require a minimum loan amount 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'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.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<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 (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): This exception was approved by [redacted] , who is not subject to the standard requirements around comp factors.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 02/18/2025 | 2 C B |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608332 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The minimum residual income amount is $[redacted]. The Borrowers calculated residual income is $[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'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.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<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 (2025-02-18): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-02-05): This exception was approved by [redacted] , who is not subject to the standard requirements around comp factors.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 02/18/2025 | 2 C B |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608333 |  | 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 Borrowers loan amount is $[redacted]. The Guidelines require a minimum loan amount of $[redacted] |  |  |  | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2025-02-05): This exception was approved by [redacted] , who is not subject to the standard requirements around comp factors.<br>Reviewer Comment (2025-01-24): Please provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 02/18/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 169 (redacted) |  | 34608334 |  | 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 (2025-01-16): Sufficient Cure Provided At Closing |  | 01/16/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 169 (redacted) |  | 34608335 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | A Verification of Self-Employment completed within [redacted]business days from the Note is missing from the loan file. |  |  |  | Reviewer Comment (2025-02-07): [redacted] received and associated. Exception cleared.<br>Buyer Comment (2025-02-05): Attached. | 02/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608336 |  | 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. | A Verification of Self-Employment completed within [redacted]business days from the Note is missing from the loan file. |  |  |  | Reviewer Comment (2025-02-07): VVOE received and associated. Exception cleared.<br>Buyer Comment (2025-02-05): Attached to [redacted] | 02/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608337 |  | 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.) | A Verification of Self-Employment completed within [redacted]business days from the Note is missing from the loan file. |  |  |  | Reviewer Comment (2025-02-07): VVOE received and associated. Exception cleared.<br>Buyer Comment (2025-02-05): Attached to [redacted] | 02/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608338 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | A Verification of Self-Employment completed within [redacted] business days from the Note is missing from the loan file. The Borrowers loan amount is $[redacted]. The Guidelines require a minimum loan amount of $[redacted] |  |  |  | Reviewer Comment (2025-02-18): Document received, system cleared.<br>Reviewer Comment (2025-02-07): Required Lender Approval document. Exception remains.<br>Buyer Comment (2025-02-05): Waterfall, addressed in other findings. | 02/18/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 169 (redacted) |  | 34608339 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Borrowers loan amount is $[redacted]. The Guidelines require a minimum loan amount of $[redacted] |  |  |  | Reviewer Comment (2025-02-18): Lender Exception with Compensating Factors, system cleared. | 02/18/2025 |  |  | 1 A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 170 (redacted) |  | 34608342 |  | 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 (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Rate lock confirmation uploaded | 02/18/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 170 (redacted) |  | 34608345 |  | 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 insufficient reserves. | 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>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 | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-17): Loan has been escalated to [redacted] for review.<br>Reviewer Comment (2025-04-07): LTV cannot be used as a compensating factor as the ATR rules under § [redacted] requires the creditor to make the ATR determination considering "The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan." Due to the borrower having a BK [redacted] months prior to the transaction, that is not considered a Conservative Use of Credit and the minimal use of revolving seems to be a result of most accounts being included in the BK. Provide additional compelling compensating factors for consideration of downgrading/waiving of the ATR and Reserves exception.<br>Reviewer Comment (2025-03-31): Insufficient reserves is an ATR exception and cannot have a post close exception.<br>Buyer Comment (2025-03-26): PC exception approval for reserves uploaded |  |  | 07/22/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 170 (redacted) |  | 34608346 |  | 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] months reserves required and [redacted]months verified. |  |  |  | Reviewer Comment (2025-07-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-07-17): Loan has been escalated to [redacted] for review.<br>Reviewer Comment (2025-04-07): LTV cannot be used as a compensating factor as the ATR rules under § [redacted] requires the creditor to make the ATR determination considering "The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan." Due to the borrower having a BK [redacted] months prior to the transaction, that is not considered a Conservative Use of Credit and the minimal use of revolving seems to be a result of most accounts being included in the BK. Provide additional compelling compensating factors for consideration of downgrading/waiving of the ATR and Reserves exception. | 07/22/2025 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 170 (redacted) |  | 34608347 |  | 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] months reserves required and [redacted]months verified. |  |  |  | Reviewer Comment (2025-07-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-07-17): Loan has been escalated to [redacted] for review.<br>Reviewer Comment (2025-04-07): LTV cannot be used as a compensating factor as the ATR rules under § [redacted] requires the creditor to make the ATR determination considering "The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan." Due to the borrower having a BK [redacted] months prior to the transaction, that is not considered a Conservative Use of Credit and the minimal use of revolving seems to be a result of most accounts being included in the BK. Provide additional compelling compensating factors for consideration of downgrading/waiving of the ATR and Reserves exception. | 07/22/2025 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 170 (redacted) |  | 34608348 |  | 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] months reserves required and [redacted]months verified. |  |  |  | Reviewer Comment (2025-07-22): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-07-17): Loan has been escalated to [redacted] for review.<br>Reviewer Comment (2025-04-07): LTV cannot be used as a compensating factor as the ATR rules under § [redacted] requires the creditor to make the ATR determination considering "The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan." Due to the borrower having a BK [redacted] months prior to the transaction, that is not considered a Conservative Use of Credit and the minimal use of revolving seems to be a result of most accounts being included in the BK. Provide additional compelling compensating factors for consideration of downgrading/waiving of the ATR and Reserves exception. | 07/22/2025 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 170 (redacted) |  | 34608349 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months reserves required and [redacted]months verified. | 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>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 | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-17): Loan has been escalated to [redacted] for review.<br>Reviewer Comment (2025-04-07): LTV cannot be used as a compensating factor as the ATR rules under § [redacted] requires the creditor to make the ATR determination considering "The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan." Due to the borrower having a BK [redacted] months prior to the transaction, that is not considered a Conservative Use of Credit and the minimal use of revolving seems to be a result of most accounts being included in the BK. Provide additional compelling compensating factors for consideration of downgrading/waiving of the ATR and Reserves exception. |  |  | 07/22/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 171 (redacted) |  | 34608356 |  | 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 (2025-02-19): [redacted] received rate lock and rebuttal comment for change in pricing due to DTI change.<br>Buyer Comment (2025-02-18): The lender credit was removed and discount points added because the DTI on the loan increased. See attached rate locks. This occurred when the borrower provided documentation of the costs associated with their investment property; this increase in expenses caused DTI to exceed a threshold that impacted the loan's base rate. To compensate, discount points were added. | 02/19/2025 |  |  | 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) | 171 (redacted) |  | 34608357 |  | 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. | [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. |  |  |  | Reviewer Comment (2025-02-21): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-20): Completed cure attached. |  | 02/21/2025 |  | 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) | 172 (redacted) |  | 34608359 |  | 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 (2025-02-19): 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 (2025-02-18): Already cured, see page [redacted], Lender Credits totaling $[redacted] . | 02/19/2025 |  |  | 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) | 172 (redacted) |  | 34608360 |  | 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]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-19): 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 (2025-02-18): Already cured, see page [redacted] | 02/19/2025 |  |  | 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) | 172 (redacted) |  | 34608363 |  | 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 (2025-02-19): Sufficient Cure Provided At Closing |  | 02/19/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 172 (redacted) |  | 34608364 |  | 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 Reinspection Fee. 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 |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 173 (redacted) |  | 34608368 |  | 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 [redacted]. |  |  |  | Reviewer Comment (2025-02-20): Cash out proceeds using for reserve to met requirement. Exception cleared.<br>Buyer Comment (2025-02-18): Cash out proceeds permitted for reserves with ≥ [redacted] FICO. | 02/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 34608369 |  | 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 is ATR Risk due not meeting reserves requirement. |  |  |  | Reviewer Comment (2025-02-20): Cash out proceeds using for reserve to met requirement. Exception cleared.<br>Buyer Comment (2025-02-18): Cash out proceeds permitted for reserves with ≥ [redacted] FICO. | 02/20/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 173 (redacted) |  | 34608370 |  | 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. | Loan is ATR Risk due not meeting reserves requirement. |  |  |  | Reviewer Comment (2025-02-20): Cash out proceeds using for reserve to met requirement. Exception cleared.<br>Buyer Comment (2025-02-18): Cash out proceeds permitted for reserves with ≥ [redacted] FICO. | 02/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 34608371 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserves not met. |  |  |  | Reviewer Comment (2025-02-20): Cash out proceeds using for reserve to met requirement. Exception cleared.<br>Buyer Comment (2025-02-18): Cash out proceeds permitted for reserves with ≥ [redacted] FICO. | 02/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 34608372 |  | 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. |  |  |  | Reviewer Comment (2025-02-20): Cash out proceeds using for reserve to met requirement. Exception cleared.<br>Buyer Comment (2025-02-18): Cash out proceeds permitted for reserves with ≥ [redacted] FICO. | 02/20/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 173 (redacted) |  | 34608373 |  | 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. | Unable to determine the reason for the change in fees. COC did not identify reason for change and why it was valid. Provide cure to the borrower with LOE and corrected CD. |  |  |  | Reviewer Comment (2025-03-06): [redacted] received a valid COC.<br>Buyer Comment (2025-03-05): Per the underwriter, "There was a QC hit on the loan that required the income to be updated" and "the original blurry paystubs were the cause." Based on this explanation and the underwriting stage, the underwriter re-reviewed the income documentation on [redacted] using the more legible paystubs provided after the original application date, and this resulted in the income being updated in accordance with the prior explanation.<br>Reviewer Comment (2025-03-04): [redacted] received email confirmation for the Initial CD sent and required additional information. But it does not give sufficient information on what impacts and why the fee was increased. Please provide information as to what changed circumstance occurred (as defined under [redacted]) that resulted in an increase in closing costs.<br>Buyer Comment (2025-02-28): The loan underwriting advanced on [redacted] which involved calculating the borrowers' income. See attached screenshot of internal records showing the closing disclosure was sent.<br>Reviewer Comment (2025-02-20): [redacted] received rebuttal comment and COC dated [redacted] However, we also required supporting documentation of timeline for review for the pricing changed and to provide information supporting lender's knowledge of when they became aware of the pricing changed or Cure is due to borrower.<br>Buyer Comment (2025-02-18): The change to discount points was disclosed with the correct COC at the time. The cause of the change was because [redacted] received income documentation which affected the borrowers' income calculations. This loan product is a highest earner FICO product, and the coborrower previously was listed as earning more than the borrower; after the income calculation the borrower was the highest earner and so his FICO became the qualifying FICO. Because his qualifying FICO was below [redacted] , this affected the base rate, which affected the discount points so the borrowers' final rate would be maintained. This is a valid change of circumstance. | 03/06/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 174 (redacted) |  | 34608378 |  | 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. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-02-19): PDI report provided with effective date after disaster declaration date and with no damages reported from disaster.<br>Buyer Comment (2025-02-12): FEMA inspection report uploaded | 02/19/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 174 (redacted) |  | 34608382 |  | 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 - Service Charges. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-28): Sufficient Cure Provided At Closing |  | 01/28/2025 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 175 (redacted) |  | 34608385 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator | Reviewer Comment (2025-01-30): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 01/30/2025 | 2 B |  | FL | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| (redacted) | 175 (redacted) |  | 34608386 |  | 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 (2025-02-26): accept<br>Reviewer Comment (2025-02-21): Delivery provided but not within [redacted] business days prior to closing, exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-02-18): Log entries showing appraisal provided are on pages [redacted] |  |  | 02/26/2025 | 2 B |  | FL | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608395 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-02-20): Evidence of Taxpayer Consent is received. Exception cleared.<br>Buyer Comment (2025-02-19): attached.<br>Reviewer Comment (2025-02-17): Final Evidence of Taxpayer Consent required. Exception remains<br>Buyer Comment (2025-02-13): Attached. | 02/20/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608397 |  | 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. |  |  |  |  | Reviewer Comment (2025-02-17): Exception clear - The previous exception raised for incorrect as the incorrect date was updated in valuation screen.<br>Buyer Comment (2025-02-13): Attached. | 02/17/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608399 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | File is missing YTD P&L statement for both Sch C employments. |  |  |  | Reviewer Comment (2025-06-09): Cleared.<br>Reviewer Comment (2025-06-09): Missing P&L for [redacted] from trailing documents.<br>Buyer Comment (2025-06-05): Original P&Ls located, please see attached.<br>Reviewer Comment (2025-04-02): Exception Remains - Required P&L statement for schedule C income [redacted] prior note date, provided document is post note dated.<br>Buyer Comment (2025-04-01): Both P&L attached.<br>Reviewer Comment (2025-02-17): Exception Remains - As per the guideline we required YTD P&L. Provide the YTD P&L for both the Schedule C income.<br>Buyer Comment (2025-02-13): This is the requirement for standard analysis of Schedule C income, but in this case the underwriter utilized a Cash Flow Analysis which has different requirements. The YTD P&L Statements are not a requirement of Cash Flow Analysis. | 06/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608400 |  | 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. | Loan Designation discrepancy due to missing YTD P&L statement for both Sch C employments. |  |  |  | Reviewer Comment (2025-06-09): Cleared<br>Reviewer Comment (2025-06-09): Missing P&L for [redacted] from trailing documents.<br>Buyer Comment (2025-06-05): Attached to finding [redacted]<br>Reviewer Comment (2025-04-02): Exception Remains - Required P&L statement for schedule C income [redacted] prior note date, provided document is post note dated.<br>Buyer Comment (2025-04-01): Attached to finding [redacted]<br>Reviewer Comment (2025-02-17): Exception Remains - As per the guideline we required YTD P&L. Provide the YTD P&L for both the Schedule C income.<br>Buyer Comment (2025-02-13): This is the requirement for standard analysis of Schedule C income, but in this case the underwriter utilized a Cash Flow Analysis which has different requirements. The YTD P&L Statements are not a requirement of Cash Flow Analysis. | 06/09/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 177 (redacted) |  | 34608401 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | File is missing YTD P&L statement for both Sch C employments. |  |  |  | Reviewer Comment (2025-06-09): Cleared. | 06/09/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608402 |  | 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]without a valid COC. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-02-19): Because the cure was completed with a mailed check rather than a principal reduction, credit will not appear in Section J. Rather, it is in section B, line [redacted], showing the $[redacted] credit report fee as lender paid. This correction has been sent to the borrower.<br>Reviewer Comment (2025-02-14): [redacted] received PCCD, LOE copy of refund check and proof of mailing. However, the PCCD provided does not shows the cure amount under section J. Please provide corrected PCCD to cure this exception.<br>Buyer Comment (2025-02-13): Cure already complete. |  | 02/20/2025 |  | 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) | 177 (redacted) |  | 34608403 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing P&L for both Sch C employments. |  |  |  | Reviewer Comment (2025-06-25): Cleared<br>Buyer Comment (2025-06-23): [redacted] is not a separate business entity, please see attached. Borrowers are each [redacted] % owners of [redacted]<br>Reviewer Comment (2025-06-09): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Borrower: [redacted] <br> EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: P&L Statement<br> P&L Statement<br>Reviewer Comment (2025-06-09): Missing P&L for [redacted] from trailing documents.<br>Buyer Comment (2025-06-05): Attached to finding [redacted] .<br>Reviewer Comment (2025-04-02): Exception Remains - Required P&L statement for schedule C income [redacted] prior note date, provided document is post note dated.<br>Buyer Comment (2025-04-01): Attached to finding [redacted]<br>Reviewer Comment (2025-02-17): Exception Remains - As per the guideline we required YTD P&L. Provide the YTD P&L for both the Schedule C income.<br>Buyer Comment (2025-02-13): This is the requirement for standard analysis of Schedule C income, but in this case the underwriter utilized a Cash Flow Analysis which has different requirements. The YTD P&L Statements are not a requirement of Cash Flow Analysis. | 06/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608404 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow of a Note after the maturity date. | 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 representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-29): Lender Exception with Compensating Factors. |  |  | 01/29/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608405 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for Sch C 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 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>Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-29): Lender Exception with Compensating Factors. |  |  | 01/29/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608407 |  | 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 (2025-02-19): Agree |  |  | 02/19/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608408 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Underwriting worksheet missing from the loan file. |  |  |  | Reviewer Comment (2025-06-25): Cleared.<br>Buyer Comment (2025-06-23): Attached.<br>Reviewer Comment (2025-06-09): [redacted] UW worksheet missing from trailing documents.<br>Buyer Comment (2025-06-05): Attached to finding [redacted]<br>Reviewer Comment (2025-04-03): P&L provided, [redacted] UW worksheet missing from the file. Please provide.<br>Buyer Comment (2025-04-01): Attached to finding [redacted] | 06/25/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 177 (redacted) |  | 34608409 |  | 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] UW worksheet and P&L for [redacted] missing from file. |  |  |  | Reviewer Comment (2025-06-25): Cleared.<br>Buyer Comment (2025-06-23): Please see explanation on finding [redacted] | 06/25/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 177 (redacted) |  | 34608410 |  | 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 [redacted] UW worksheet and P&L for xx missing from file. |  |  |  | Reviewer Comment (2025-06-25): Cleared.<br>Buyer Comment (2025-06-23): Please see explanation on finding [redacted] | 06/25/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608412 |  | 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] missing evidence of receipt. |  |  |  | Buyer Comment (2025-02-04): Approve |  |  | 02/04/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608413 |  | 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]%. |  |  |  | Reviewer Comment (2025-02-06): Proof of Appraisal delivery document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-02-04): Initial appraisal, proof of delivery and proof revised appraisal [redacted] delivered to borrower. Please note, no value change on revised appraisal, delivered pc is acceptable. | 02/06/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608414 |  | 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] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-02-06): Proof of Appraisal delivery document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-02-04): Initial appraisal, proof of delivery and proof revised appraisal [redacted] delivered to borrower. Please note, no value change on revised appraisal, delivered pc is acceptable. | 02/06/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608416 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] [redacted]- No evidence of required counseling disclosure language per [redacted] HB [redacted]. | No evidence of required counseling disclosure language per [redacted][redacted][redacted]. |  |  |  | Buyer Comment (2025-02-18): Approve<br>Reviewer Comment (2025-02-18): [redacted] compliance report dated [redacted] in file has alert for HPML and shows over [redacted] which is the same as our exception. Exception remains an EV2 grade.<br>Buyer Comment (2025-02-04): Loan is not HPML. |  |  | 02/18/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608417 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Buyer Comment (2025-02-18): Approve<br>Reviewer Comment (2025-02-18): [redacted] compliance report dated [redacted] in file has alert for HPML and shows over [redacted] % which is the same as our exception. Exception remains an [redacted] grade.<br>Buyer Comment (2025-02-04): Loan is not HPML. |  |  | 02/18/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608418 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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 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]%. |  |  |  | Buyer Comment (2025-02-18): Approve<br>Reviewer Comment (2025-02-18): [redacted] compliance report dated [redacted] in file has alert for HPML and shows over [redacted] which is the same as our exception. Exception remains an [redacted] grade.<br>Buyer Comment (2025-02-04): Loan is not HPML. |  |  | 02/18/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 178 (redacted) |  | 34608419 |  | 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. | Recording Fee increased to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-19): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-02-18): PCCD and payment history reflecting PR uploaded.<br>Reviewer Comment (2025-02-06): [redacted] received rebuttal, as title fees are subject to [redacted]% tolerance additional cure of $[redacted] is required. Please provide cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-02-05): [redacted] is considered an affiliate and held to [redacted] % tolerance.<br>Reviewer Comment (2025-02-05): [redacted] Title fees were disclosed in Section B which are tested at [redacted] % tolerance. Provider listed on [redacted] Fees on CD were paid to other than [redacted] Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-02-04): Please note, Title - Doc Prep fee is included with [redacted] fees. Title Fees & recording fee from [redacted] . Total charged to borrower $[redacted] . Please re-review and confirm cure of $[redacted] . |  | 02/19/2025 |  | 2 C B |  | MD | 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) | 179 (redacted) |  | 34608426 |  | 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 Reinspection 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 Reinspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-27): Sufficient Cure Provided At Closing |  | 01/27/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 179 (redacted) |  | 34608428 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is 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 $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Residual income is >$[redacted].<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-06-23): Lender exception with compensating factors.<br>Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| (redacted) | 180 (redacted) |  | 34608429 |  | 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. |  |  |  | Reviewer Comment (2025-02-18): Documents received, system cleared.<br>Buyer Comment (2025-02-05): Appraisal proof of delivery uploaded. | 02/18/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 180 (redacted) |  | 34608433 |  | 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. | Final closing disclosure provided on [redacted] |  |  |  | Reviewer Comment (2025-02-06): [redacted] received disclosure tracking for initial CD.<br>Buyer Comment (2025-02-05): Disclosure tracking details uploaded. | 02/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 180 (redacted) |  | 34608435 |  | 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 - Examination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Title - Examination Fee. A Title - Examination Fee was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-11): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-02-11): Payment history reflecting PR uploaded.<br>Buyer Comment (2025-02-11): PCCD uploaded. |  | 02/11/2025 |  | 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) | 181 (redacted) |  | 34608441 |  | 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 does not contain a statement for the REO to verify the property charges are included in the payment. |  |  |  | Reviewer Comment (2025-02-17): Exception cleared - VOM receive and updated [redacted].<br>Buyer Comment (2025-02-13): See finding [redacted] . | 02/17/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 181 (redacted) |  | 34608442 |  | 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 does not contain a statement for the REO to verify the property charges are included in the payment. |  |  |  | Reviewer Comment (2025-02-14): Verified in Verification of Mortgage statement taxes and insurance are escrowed. - Exception Cleared.<br>Buyer Comment (2025-02-13): Attached [redacted] , escrow payments are included. | 02/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 181 (redacted) |  | 34608443 |  | 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. | The loan file does not contain a statement for the REO to verify the property charges are included in the payment. |  |  |  | Reviewer Comment (2025-02-17): Exception cleared - VOM receive and updated [redacted].<br>Buyer Comment (2025-02-13): See finding [redacted] . | 02/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 181 (redacted) |  | 34608444 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not contain a statement for the REO to verify the property charges are included in the payment. |  |  |  | Reviewer Comment (2025-02-17): Exception cleared - VOR receive and updated [redacted].<br>Buyer Comment (2025-02-13): See finding [redacted] . | 02/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 182 (redacted) |  | 34608445 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-02-12): Exception Cleared - Received Final Title policy associated the same and data updated as per provided documents. | 02/12/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 182 (redacted) |  | 34608446 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-02-12): Exception Cleared - Received Final Title policy associated the same and data updated as per provided documents.<br>Buyer Comment (2025-02-10): updated title policy<br>Reviewer Comment (2025-02-10): Date of final title policy is prior to Note and application date which cannot be accepted .Exception remains<br>Buyer Comment (2025-02-07): Title policy uploaded | 02/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 182 (redacted) |  | 34608450 |  | 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. | File does not contain a valid Change of Circumstances for this fee, cure not provided at closing. |  |  |  | Reviewer Comment (2025-02-27): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-02-25): pccd with cover letter<br>Buyer Comment (2025-02-25): principal reduction<br>Reviewer Comment (2025-02-10): Cure in the amount of $[redacted] is required.<br>Buyer Comment (2025-02-10): Please review loan estimate and clarify why originally disclosed fees are not included in [redacted]% tolerance |  | 02/27/2025 |  | 2 C B |  | 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) | 182 (redacted) |  | 34608451 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | File does not contain a valid Change of Circumstances for this fee, cure not provided at closing. |  |  |  | Reviewer Comment (2025-02-11): [redacted] received PCCD and LOE.<br>Buyer Comment (2025-02-10): [redacted] with cover letter uploaded<br>Reviewer Comment (2025-02-10): Please provide copy of LOE sent to borrower with updated [redacted] .<br>Buyer Comment (2025-02-07): Funding CD includes broker name/nmls number/phone number and contact information. Please clarify if what is needed is lender nmls number |  | 02/11/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 183 (redacted) |  | 34608454 |  | 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's residual income was less than the guideline minimum 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 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>Miscellaneous | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-01-29): Lender exception with compensating factors. |  |  | 01/29/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 183 (redacted) |  | 34608455 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower's assets were insufficient to cover the guideline minimum of [redacted] months PITI reserves. |  |  |  | Reviewer Comment (2025-02-10): Considered paid outside closing Appraisal fee to meet reserve requirement. Exception cleared<br>Buyer Comment (2025-02-07): confirmation poc of appraisal fee paid prior to closing, total cash to close should be considered for reserve calculations<br>Reviewer Comment (2025-02-07): Exception Remains - The total cash out we have is $[redacted] and reserve required is [redacted] . Provide the additional assets to meet the reserve requirement.<br>Buyer Comment (2025-02-05): [redacted] and consummation cd uploaded to support cash proceeds are sufficient to support [redacted] months reserves required | 02/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 183 (redacted) |  | 34608456 |  | 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 cover PITI reserves. |  |  |  | Reviewer Comment (2025-02-10): Considered paid outside closing Appraisal fee to meet reserve requirement. Exception cleared<br>Buyer Comment (2025-02-07): confirmation poc of appraisal fee paid prior to closing, total cash to close should be considered for reserve calculations<br>Reviewer Comment (2025-02-07): Exception Remains - The total cash out we have is $[redacted] and reserve required is [redacted] Provide the additional assets to meet the reserve requirement.<br>Buyer Comment (2025-02-05): [redacted] and consummation cd uploaded to support cash proceeds are sufficient to support [redacted] months reserves required | 02/10/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 183 (redacted) |  | 34608457 |  | 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. | Borrower has insufficient assets to cover PITI reserve requirement and residual income is less than guideline minimum of $[redacted]. |  |  |  | Reviewer Comment (2025-02-10): Considered paid outside closing Appraisal fee to meet reserve requirement. Exception cleared<br>Buyer Comment (2025-02-07): [redacted] confirmation poc of appraisal fee paid prior to closing, total cash to close should be considered for reserve calculations<br>Reviewer Comment (2025-02-07): Exception Remains - The total cash out we have is $[redacted] and reserve required is [redacted] we are less with $[redacted] . Provide the additional assets to meet the reserve requirement.<br>Lender exception received for the residual income.<br>Buyer Comment (2025-02-05): [redacted] and consummation cd uploaded to support cash proceeds are sufficient to support [redacted] months reserves required and uw exception for insufficient residual funds approved by [redacted] | 02/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608460 |  | 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 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 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income > $[redacted].<br>Qualifying ratios [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-21): Lender exception with compensating factors.<br>Buyer Comment (2025-02-14): who can approve exceptions outside the typical exception policy. See end of loan approval form under " [redacted] Approval Summary." |  |  | 02/21/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608461 |  | 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 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>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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income > $[redacted].<br>Qualifying ratios [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-21): Lender exception with compensating factors.<br>Buyer Comment (2025-02-14): The exception was approved by [redacted] , who can approve exceptions outside the typical exception policy. See end of loan approval form under " [redacted] Approval Summary." |  |  | 02/21/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608463 |  | 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] and Note loan amount of $[redacted]is less than guideline minimum loan amount of $[redacted]. |  |  |  | Reviewer Comment (2025-02-21): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-02-14): The exception was approved by [redacted] , who can approve exceptions outside the typical exception policy. See end of loan approval form under "[redacted] Approval Summary." | 02/21/2025 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 184 (redacted) |  | 34608464 |  | 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] and Note loan amount of $[redacted]is less than guideline minimum loan amount of $[redacted]. |  |  |  | Reviewer Comment (2025-02-21): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-02-14): The exception was approved by [redacted] who can approve exceptions outside the typical exception policy. See end of loan approval form under "[redacted] Approval Summary." | 02/21/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608465 |  | 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]. | 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>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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income > $[redacted].<br>Qualifying ratios [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-21): Lender exception with compensating factors.<br>Buyer Comment (2025-02-14): The exception was approved by [redacted] Capital Management, who can approve exceptions outside the typical exception policy. See end of loan approval form under "[redacted] Approval Summary."<br>Reviewer Comment (2025-01-29): The lender exception in file does not include two comp factors from category B as required by exception policy when [redacted] exceptions are present on the loan. |  |  | 02/21/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608466 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | 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 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 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | Residual income > $[redacted].<br>Qualifying ratios [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-21): Lender exception with compensating factors.<br>Buyer Comment (2025-02-14): The exception was approved by [redacted] Management, who can approve exceptions outside the typical exception policy. See end of loan approval form under "[redacted] Approval Summary."<br>Reviewer Comment (2025-01-29): The lender exception in file does not include [redacted] comp factors from category B as required by exception policy when [redacted] exceptions are present on the loan. |  |  | 02/21/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608467 |  | 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.) | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted] and Note loan amount of $[redacted]is less than guideline minimum loan amount of $[redacted]. |  |  |  | Reviewer Comment (2025-02-21): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-02-14): The exception was approved by [redacted] Management, who can approve exceptions outside the typical exception policy. See end of loan approval form under "[redacted] Approval Summary." | 02/21/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 184 (redacted) |  | 34608468 |  | 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 Fee of $[redacted] was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-17): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-14): Cure already complete, see attached. |  | 02/17/2025 |  | 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) | 184 (redacted) |  | 34608469 |  | 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. | Credit Report 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 (2025-02-17): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-02-14): cure already complete, see attached |  | 02/17/2025 |  | 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) | 184 (redacted) |  | 34608470 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) 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 (2025-02-17): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/17/2025 |  | 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) | 184 (redacted) |  | 34608471 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) 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 (2025-02-17): Sufficient Cure Provided within [redacted] Days of Closing |  | 02/17/2025 |  | 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) | 185 (redacted) |  | 34608475 |  | 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 (2025-02-14): accept compliant |  |  | 02/14/2025 | 1 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| (redacted) | 185 (redacted) |  | 34608476 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is located in Rural area. Guidelines do not allow for rural properties. | 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. | Lender Exception with Compensating Factors | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-13): Lender Exception with Compensating Factors |  |  | 02/13/2025 | 2 B |  | OK | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 34608478 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is insufficient by $[redacted]Provide updated policy reflecting minimum coverage of $[redacted]or provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-02-21): Insurer's replacement cost estimate supporting current coverage amount. Exception cleared<br>Buyer Comment (2025-02-19): For the [redacted] properties the insurance companies are unable to provide the replacement cost estimator. Please see letter from HOI stating that property is been insured guaranteed up [redacted]% replacement cost. | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 34608480 |  | 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 of [redacted]% exceeds the guideline maximum of [redacted]% for a credit score below [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 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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Housing Ratio [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-12): Lender Exception with Compensating Factors provided. |  |  | 02/12/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 186 (redacted) |  | 34608481 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide corrected 1003 showing the borrower's 2 dependents as shown on unsigned [redacted] [redacted] and the [redacted] tax returns. |  |  |  | Reviewer Comment (2025-02-21): Document provided.<br>Buyer Comment (2025-02-19): Please see [redacted] showing the correct dependents | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 34608485 |  | 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 minimum credit score required for a Cash-Out Refinance on a primary full doc loan is [redacted], the Borrower's credit score is [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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Housing Ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-02-27): Lender exception with compensating factors.<br>Buyer Comment (2025-02-25): Please see image [redacted] that references the FICO of [redacted] and page [redacted] reflects an underwriting exception approval approved for the FICO.<br>Reviewer Comment (2025-02-24): Exception Remains - Borrowers FICO score is [redacted] as per latest credit report which is less we required minimum FICO score is [redacted] as per guidelines.<br>Buyer Comment (2025-02-20): Please note, the CF is prior ownership experience with no FC or SS is a valid CF. The borrower has had no BK or FC.<br>Reviewer Comment (2025-02-12): Please remove the Prior Homeownership Experience (No FC or SS) from the CF as the borrower has lates showing on their home owning experience. |  |  | 02/27/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 34608486 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The minimum credit score required for a Cash-Out Refinance on a primary full doc loan is [redacted], the Borrower's credit score is [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>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Housing Ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-02-27): Lender exception with compensating factors.<br>Buyer Comment (2025-02-25): Please see image [redacted] that references the FICO of [redacted] and page [redacted] reflects an underwriting exception approval approved for the FICO.<br>Reviewer Comment (2025-02-24): Exception Remains - Borrowers FICO score is [redacted] as per latest credit report which is less we required minimum FICO score is [redacted] as per guidelines.<br>Buyer Comment (2025-02-20): Please note, the CF is prior ownership experience with no FC or SS is a valid CF. The borrower has had no BK or FC.<br>Reviewer Comment (2025-02-12): Please remove the Prior Homeownership Experience (No FC or SS) from the CF as the borrower has lates showing on their home owning experience. |  |  | 02/27/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 34608487 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing documentation to verify the start date for both borrower and co borrower. |  |  |  | Reviewer Comment (2025-02-24): Third Party Verification of Employment documents are received and associated for Borrower and Co-borrower. Exception Cleared.<br>Buyer Comment (2025-02-21): VVOEs uploaded. | 02/24/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 34608488 |  | 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 documentation to verify the start date for both borrower and co borrower. |  |  |  | Reviewer Comment (2025-02-24): Third Party Verification of Employment documents are received and associated for Borrower and Co-borrower. Exception Cleared.<br>Buyer Comment (2025-02-21): VVOEs uploaded. | 02/24/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 187 (redacted) |  | 34608489 |  | 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 documentation to verify the start date for both borrower and co borrower. |  |  |  | Reviewer Comment (2025-02-24): Third Party Verification of Employment documents are received and associated for Borrower and Co-borrower. Exception Cleared.<br>Buyer Comment (2025-02-21): VVOEs uploaded. | 02/24/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 187 (redacted) |  | 34608490 |  | 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 documentation to verify the start date for both borrower and co borrower. |  |  |  | Reviewer Comment (2025-02-24): Third Party Verification of Employment documents are received and associated for Borrower and Co-borrower. Exception Cleared.<br>Buyer Comment (2025-02-21): VVOEs uploaded. | 02/24/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608497 |  | 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 Post Closing Disclosure corrected this issue. |  |  |  | Reviewer Comment (2025-04-02): Updated CD provided.<br>Reviewer Comment (2025-02-24): [redacted] received rebuttal that Finance charge matches [redacted] calculation at $[redacted] . However, this is the Corrected CD finance charge amount. The Final CD disclosed at closing to borrower was underdisclosed by $[redacted] and disclosed the Finance Charge at $[redacted] . To finaize the updated finance charge and cure the underdisclose at closing, provide copy of cure refund for $[redacted] , LOE to borrower explaining violation and cure, proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-02-24): Please see images [redacted] all CD's reflecting a disclosed finance charge of $[redacted] and match [redacted] calculation. Exception is not valid. | 04/02/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | 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) | 190 (redacted) |  | 34608498 |  | 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] 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 Post Closing Disclosure corrected this issue. |  |  |  | Reviewer Comment (2025-04-02): Updated CD provided.<br>Reviewer Comment (2025-02-24): [redacted] received rebuttal that Finance charge matches [redacted] calculation at $[redacted] . However, this is the Corrected CD finance charge amount. The Final CD disclosed at closing to borrower was underdisclosed by $[redacted] and disclosed the Finance Charge at $[redacted] . To finaize the updated finance charge and cure the underdisclose at closing, provide copy of cure refund for $[redacted] , LOE to borrower explaining violation and cure, proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction.<br>Buyer Comment (2025-02-24): Please see images [redacted] all CD's reflecting a disclosed finance charge of $[redacted] and match [redacted] calculation. Exception is not valid. | 04/02/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | 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) | 190 (redacted) |  | 34608499 |  | 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] business days from transaction date of [redacted]. | The Post Closing Disclosure reflects a disbursement date of [redacted]and the Right To Cancel expiration date is [redacted]. |  |  |  | Reviewer Comment (2025-04-07): Accurate material disclosures received on [redacted]<br>Buyer Comment (2025-04-03): Attestation letter uploaded.<br>Reviewer Comment (2025-04-02): EMAIL sent to [redacted]: "In the past, [redacted] has provided an attestation/letter for any CD issued, on or after the closing date, which was not a closing CD and the purpose of the CD. Can you please provide that, so we have something in the file to go with the loan docs?"<br>Buyer Comment (2025-03-26): Proof of CD time stamp uploaded. The scanned copy was cut off but a copy of the time stamp uploaded.<br>Reviewer Comment (2025-03-09): The time stamp at the bottom of the document is cutoff. There are several CDs dated [redacted] and need the time stamp in order to reflect correct issue sequence.<br>Buyer Comment (2025-03-05): Consummation CD uploaded.<br>Reviewer Comment (2025-02-27): Please provide copy of CD dated [redacted] as signed CD doc id [redacted] time stamp is cutoff.<br>Buyer Comment (2025-02-24): \*Correction comments for this exception - Please note, disbursement date is dated AFTER expiration date of rescission. Exception is not valid.<br>Buyer Comment (2025-02-24): Please see images [redacted] all CD's reflecting a disclosed finance charge of $[redacted] and match [redacted] calculation. Exception is not valid. | 04/07/2025 |  |  | 1 C A |  | AZ | 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) | 190 (redacted) |  | 34608500 |  | 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). | The Post Closing Disclosure reflects a disbursement date of [redacted] and the Right To Cancel expiration date is [redacted]. |  |  |  | Reviewer Comment (2025-04-07): Accurate material disclosures received on [redacted]<br>Buyer Comment (2025-04-03): Attestation letter uploaded.<br>Reviewer Comment (2025-04-02): EMAIL sent to [redacted]: "In the past, [redacted] has provided an attestation/letter for any CD issued, on or after the closing date, which was not a closing CD and the purpose of the CD. Can you please provide that, so we have something in the file to go with the loan docs?"<br>Buyer Comment (2025-03-26): Proof of CD time stamp uploaded. The scanned copy was cut off but a copy of the time stamp uploaded.<br>Reviewer Comment (2025-03-09): The time stamp at the bottom of the document is cutoff. There are several CDs dated [redacted] and need the time stamp in order to reflect correct issue sequence.<br>Buyer Comment (2025-03-05): Consummation CD uploaded.<br>Reviewer Comment (2025-02-27): Please provide copy of CD dated [redacted] as signed CD doc id [redacted] time stamp is cutoff.<br>Buyer Comment (2025-02-24): Please note, disbursement date is dated AFTER expiration date of rescission. Exception is not valid. | 04/07/2025 |  |  | 1 C A |  | AZ | 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) | 190 (redacted) |  | 34608503 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The required reserves for an alt doc cash-out refinance is [redacted] months. The Borrower has [redacted] months reserves. Unable to use proceeds, as a FICO of [redacted]is required and the Borrower has a FICO of [redacted]. |  |  |  | Reviewer Comment (2025-03-07): Account Statement received and associated. Exception cleared.<br>Buyer Comment (2025-03-05): November [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] as of [redacted] . Final 1003 reflects a balance of $[redacted] . Exception remains.<br>Buyer Comment (2025-02-24): Please note, verified assets of [redacted] business accounts in the amount of $[redacted] meeting reserve guideline requirement. Please refer to image [redacted] that reflects an exception approved to allow the use of business assets. | 03/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608504 |  | 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 maximum LTV is [redacted]% for a property that is listed. A maximum LTV for Alt Doc, Cash-Out is [redacted]% and a [redacted]% LTV reduction for being a listed 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS)<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-14): Lender Exception with Compensating Factors. |  |  | 02/14/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608506 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The required reserves for an alt doc cash-out refinance is [redacted] months. The Borrower has [redacted] months reserves. Unable to use proceeds, as a FICO of [redacted] is required and the Borrower has a FICO of [redacted]. |  |  |  | Reviewer Comment (2025-03-07): Account Statement received and associated. Exception cleared.<br>Buyer Comment (2025-03-05): [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] as [redacted] . Final 1003 reflects a balance of $[redacted] . Exception remains.<br>Buyer Comment (2025-02-24): Please note, verified assets of [redacted] business accounts in the amount of $[redacted] meeting reserve guideline requirement. Please refer to image [redacted] that reflects an exception approved to allow the use of business assets. | 03/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608507 |  | 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 matrix requires a minimum FICO of [redacted] for a Cash-Out, alt Doc refinance. The Borrowers FICO is [redacted]. | Borrower has verified disposable income of at least $[redacted].<br>Property damage is minor or non-material. | Lender Exception with Compensating Factors.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2025-04-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-03): [redacted] approve PTC by [redacted] including FICO exception uploaded.<br>Reviewer Comment (2025-03-07): Account Statement received and associated, however FICO requirement is not met. Exception remains.<br>Buyer Comment (2025-03-05): [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] as of [redacted] Exception remains.<br>Buyer Comment (2025-02-24): Please note, verified assets of [redacted] business accounts in the amount of $[redacted] meeting reserve guideline requirement. Please refer to image [redacted] that reflects an exception approved to allow the use of business assets. |  |  | 04/08/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608508 |  | 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 required reserves for an alt doc cash-out refinance is [redacted] months. The Borrower has [redacted] months reserves. Unable to use proceeds, as a FICO of [redacted] is required and the Borrower has a FICO of [redacted]. The maximum LTV is [redacted]% for a property that is listed. A maximum LTV for Alt Doc, Cash-Out is [redacted]% and a [redacted]% LTV reduction for being a listed property. |  |  |  | Reviewer Comment (2025-03-07): Account Statement received and associated. Exception cleared.<br>Buyer Comment (2025-03-05): [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] as of [redacted] Final 1003 reflects a balance of $[redacted] . Exception remains.<br>Buyer Comment (2025-02-24): All exceptions addressed individually. | 03/07/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 190 (redacted) |  | 34608509 |  | 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. | The required reserves for an alt doc cash-out refinance is [redacted] months. The Borrower has [redacted] months reserves. Unable to use proceeds, as a FICO of [redacted] is required and the Borrower has a FICO of [redacted]. The maximum LTV is 50% for a property that is listed. A maximum LTV for Alt Doc, Cash-Out is [redacted]% and a [redacted]% LTV reduction for being a listed property. |  |  |  | Reviewer Comment (2025-03-07): Account Statement received and associated. Exception cleared.<br>Buyer Comment (2025-03-05): [redacted] [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] as of [redacted] Final 1003 reflects a balance of $[redacted] . Exception remains.<br>Buyer Comment (2025-02-24): All exceptions addressed individually. | 03/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608510 |  | 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 required reserves for an alt doc cash-out refinance is 6 months. The Borrower has [redacted]months reserves. Unable to use proceeds, as a FICO of [redacted] is required and the Borrower has a FICO of [redacted]. The maximum LTV is [redacted]% for a property that is listed. A maximum LTV for Alt Doc, Cash-Out is [redacted]% and a [redacted]% LTV reduction for being a listed property. |  |  |  | Reviewer Comment (2025-03-07): Account Statement received and associated. Exception cleared.<br>Buyer Comment (2025-03-05): [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] as o [redacted] exception remains.<br>Buyer Comment (2025-02-24): All exceptions addressed individually. | 03/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608511 |  | 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 initial Loan Estimate does not contain evidence of a Credit Report Re-issue fee. The Closing Disclosure issued on [redacted] reflects a Credit Report Re-issue fee of $[redacted]. The loan file does not contain evidence of a changed circumstance regarding the additional fee or a tolerance cure. |  |  |  | Reviewer Comment (2025-03-27): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-03-26): PCCD, LOE and payment history reflecting PR uploaded. |  | 03/27/2025 |  | 2 C B |  | AZ | 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) | 190 (redacted) |  | 34608512 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The required reserves for an alt doc cash-out refinance is [redacted] months. The Borrower has [redacted]months reserves. Unable to use proceeds, as a FICO of [redacted]is required and the Borrower has a FICO of [redacted]. The maximum LTV is [redacted]% for a property that is listed. A maximum LTV for Alt Doc, Cash-Out is [redacted]% and a [redacted]% LTV reduction for being a listed property. | Property damage is minor or non-material.<br>Borrower has verified disposable income of at least $[redacted]. | Prior Homeownership Experience (No FC or Short Sale).<br>Lender Exception with Compensating Factors. | SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2025-04-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-03): All exceptions addressed individually.<br>Reviewer Comment (2025-03-07): Account Statement received and associated, however FICO requirement is not met. Exception remains.<br>Buyer Comment (2025-03-05): [redacted] bank statement reflecting balance of $[redacted] uploaded.<br>Reviewer Comment (2025-02-27): Balance of account ending in [redacted] . Final [redacted] . Exception remains.<br>Buyer Comment (2025-02-24): All exceptions addressed individually. |  |  | 04/08/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608513 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | FICO of [redacted] is required and the Borrower has a FICO of [redacted]. The maximum LTV is [redacted]% for a property that is listed. A maximum LTV for Alt Docs, cash-out is [redacted]% and a [redacted]% LTV reduction for being a listed property. | Borrower has verified disposable income of at least $[redacted].<br>Property damage is minor or non-material. | Lender Exception with Compensating Factors.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2025-04-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-03): All exceptions addressed individually. |  |  | 04/08/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 190 (redacted) |  | 34608514 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not contain a CPA and/or a cash flow analysis for the use of business funds for closing reflecting the use of these funds will not have a negative impact to the Business. |  |  |  | Reviewer Comment (2025-06-26): Cleared.<br>Buyer Comment (2025-06-24): Please note, CPA letter in file states borrower is sole member and owner of business. Business assets are being used as reserves and documentation provided meets guidelines. No funds were withdrawn from the business acct for closing. | 06/26/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 191 (redacted) |  | 34608519 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | The Loan Officers NMLS #, listed on the 1003 is for[redacted] The Loan Officer listed on the documents is [redacted], his NMLS number is [redacted]. |  |  |  | Reviewer Comment (2025-03-05): Updated [redacted] provided, exception cleared.<br>Buyer Comment (2025-03-03): Please see again NMLS ID from our Loan Officer attached and please kindly advise what part is not matching the NMLS ID.<br>Reviewer Comment (2025-02-27): Provided NMLS information ([redacted]) is not matching, please provide corrected NMLS information, Exception remains.<br>Buyer Comment (2025-02-26): Please see update [redacted] showing corrections on the loan Officer NMLS ID attached | 03/05/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 191 (redacted) |  | 34608520 |  | 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 (2025-02-10): Sufficient Cure Provided At Closing |  | 02/10/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 191 (redacted) |  | 34608521 |  | 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 (2025-02-21): accept |  |  | 02/21/2025 | 2 B |  | IL | 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) | 192 (redacted) |  | 34608523 |  | 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 minimum representative FICO score of [redacted]. Cash out proceeds permitted for reserves with ≥ [redacted] FICO. | 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>Miscellaneous | [redacted]+ years on job.<br>Prior homeownership experience (No FC or Short Sale) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-02-24): Lender exception with compensating factors. |  |  | 02/24/2025 | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 192 (redacted) |  | 34608526 |  | 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]without a valid COC. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-14): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-03-13): pccd with cover letter and principal reduction |  | 03/14/2025 |  | 2 C B |  | SC | 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) | 192 (redacted) |  | 34608527 |  | 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 - Endorsement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]without a valid COC. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-14): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-03-13): pccd with cover letter and principal reduction |  | 03/14/2025 |  | 2 C B |  | SC | 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) | 193 (redacted) |  | 34608530 |  | 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. | Mortgage history shows mortgage late [redacted] in the last [redacted]months. (Guideline: Mortgage late not to exceed [redacted] in the last [redacted] mo.). | 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 guideline required amount by the equivalent of [redacted] months PITIA or more.<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 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 > $[redacted].<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Low housing ratio of [redacted] % or less.<br>Reviewer Comment (2025-02-24): Lender exception with compensating factors. |  |  | 02/24/2025 | 2 B |  | NY | Investment | Purchase | B A | Non QM | N/A | No |
| (redacted) | 193 (redacted) |  | 34608531 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Mortgage history shows mortgage late [redacted] in the last [redacted] months. (Guideline: Mortgage late not to exceed [redacted] in the last [redacted] mo.). | 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 guideline required amount by the equivalent of [redacted] months PITIA or more.<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 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 > $[redacted].<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Low housing ratio of [redacted] % or less.<br>Reviewer Comment (2025-02-24): Lender exception with compensating factors. |  |  | 02/24/2025 | 2 B |  | NY | Investment | Purchase | B A | Non QM | N/A | No |
| (redacted) | 194 (redacted) |  | 34608533 |  | 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. | Evidence the Borrowers received a copy of the Appraisal report dated [redacted] at least [redacted] days prior to closing is missing from the loan file. |  |  |  | Buyer Comment (2025-03-03): accepted<br>Buyer Comment (2025-02-27): Please see attached proof of appraisal been delivered to bwr. the appraisal report dated on [redacted] [redacted] was an update from previous report since it was requested to update or corrected the city name. |  |  | 03/03/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 194 (redacted) |  | 34608534 |  | 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 (2025-03-04): Delivery provided.<br>Buyer Comment (2025-02-27): The appraisal report dated [redacted] was an update or a correction request for the previous report since the property address was incorrect. this is a clerical update appraisal report. please see attached documents supporting attached. | 03/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 194 (redacted) |  | 34608535 |  | 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. | Evidence the Borrowers received a copy of the Appraisal report dated [redacted] at least [redacted] days prior to closing is missing from the loan file. |  |  |  | Reviewer Comment (2025-03-04): Delivery provided.<br>Buyer Comment (2025-03-03): Please see appraisal proof of delivery uploaded. Please note, it is acceptable to delivery a revised clerical report post consummation. Please downgrade and waive. Please escalate to [redacted] if you are unable to clear this exception.<br>Reviewer Comment (2025-02-28): Provided appraisal notice is of dated [redacted] which is not prior to [redacted] day of closing. Require appraisal timing waiver Exception remains.<br>Buyer Comment (2025-02-27): The appraisal report dated [redacted] was an update or a correction request for the previous report since the property address was incorrect. this is a clerical update appraisal report. please see attached documents supporting attached. | 03/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 194 (redacted) |  | 34608537 |  | 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]. Insufficient or no cure was provided to the borrower. | The Title- Lender's Title Insurance Fee increased to $[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-13): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-03-12): Please see attached PCCD & Pymt history showing a cure for $[redacted] due to increase in Lender's title insurance<br>Reviewer Comment (2025-03-07): [redacted] received rebuttal. The Lenders Title insurance fee is paid to [redacted] a lender affiliate company and is subjected to[redacted] tolerance. Also, the COC provided dated [redacted] shows the loan amount change but the Loan Amont is unchanged from $[redacted] on CD dated 0 [redacted] and [redacted] so the COC is also not valid for increase in fee. A valid COC or cure is required Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-06): Could you please kindly review this exception and /or escalate the file to [redacted]. The base line disclosed to our bwr was $[redacted] + recording fees for [redacted] allowable increase = $[redacted] vs final settlement statement charges listed on final CD is $[redacted] which is less than [redacted]% allowable. please see final Cd and Initial LE attached.<br>Reviewer Comment (2025-03-04): [redacted] received updated Changed Circumstance dated [redacted] , but it does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-03): Please see an update COC letter, our system was added an incorrect COC for Loan amount changed.<br>Reviewer Comment (2025-03-03): [redacted] received COC dated [redacted] however there is no change in loan amount on CD dated [redacted] . A valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, copy of refund check & proof of mailing.<br>Buyer Comment (2025-02-27): Please see attached CD dated [redacted] , valid COC, and proof of delivery. the increase in the settlement charges Lender's title insurance was a valid increase since was caused due to rate lock/relock or lock extension. |  | 03/13/2025 |  | 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) | 194 (redacted) |  | 34608539 |  | 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] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-03-04): Client elects to Waive. |  |  | 03/04/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608541 |  | 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 ___. | The Guidelines reflect the DTI maximum of [redacted]% with a FICO score of [redacted]and an LTV < [redacted]%. The calculated DTI for the subject loan 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>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 | Residual income > $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Prior homeownership experience (No FC or short Sale) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-03-26): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-03-24): [redacted] debt excluded from ratios<br>Reviewer Comment (2025-03-17): We line up with income, rent loss and PITIA. Total debts = [redacted] student loan, $[redacted] installment loan and $[redacted]<br>Buyer Comment (2025-03-13): uw calculation for dti [redacted] with [redacted] approval of ratios<br>Buyer Comment (2025-03-13): uw calculation for dti [redacted] % with [redacted] approval of ratios<br>Reviewer Comment (2025-03-09): The rent loss/income lines up with final [redacted] with a .difference. Credit liabilities vary by $[redacted] after two [redacted] payoffs monthly debs are [redacted] reflects $[redacted]<br>Buyer Comment (2025-03-05): [redacted]<br>Buyer Comment (2025-03-05): [redacted] approval of ratios<br>Buyer Comment (2025-03-05): uw rental icome worksheet uploaded, [redacted] dti does not match cms dti please review rent/loss<br>Reviewer Comment (2025-02-24): Compensating factors do not support downgrading/waiving of the exception when multiple exceptions are layered on the loan. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 03/26/2025 | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608542 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The Guidelines require [redacted] months reserves. The Borrowers calculated reserves amount is [redacted] months. |  |  |  | Reviewer Comment (2025-03-11): Exception Cleared - Received appraisal invoice paid before closing considered in assets associated the same and data updated as per provided document.<br>Buyer Comment (2025-03-10): appraisal invoice<br>Reviewer Comment (2025-03-09): Cash out - POC= [redacted]<br>Buyer Comment (2025-03-05): [redacted]<br>Buyer Comment (2025-03-05): [redacted] approval of ratios<br>Buyer Comment (2025-03-05): uw rental income worksheet uploaded, [redacted] dti does not match cms dti please review rent/loss | 03/11/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608543 |  | 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 the Borrower received the final Appraisal report dated [redacted], at least [redacted] business days prior to Closing is missing from the loan file. |  |  |  | Buyer Comment (2025-02-27): accept exception grade [redacted] |  |  | 02/27/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608545 |  | 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 Guidelines reflect the DTI maximum of [redacted]% with a FICO score of [redacted]and an LTV < [redacted]%. The calculated DTI for the subject loan is [redacted]%. The Guidelines require [redacted] months reserves. The Borrowers calculated reserves amount is [redacted]months. |  |  |  | Reviewer Comment (2025-03-26): Lender Exception with Compensating Factors, system cleared<br>Buyer Comment (2025-03-24): [redacted] debt excluded from ratios<br>Reviewer Comment (2025-03-17): We line up with income, rent loss and PITIA. Total debts = [redacted] [redacted] card).<br>Buyer Comment (2025-03-13): docs to arrive at dti and uw calculation worksheet supporting [redacted] % ratio with [redacted] approval<br>Reviewer Comment (2025-03-09): The rent loss/income lines up with final [redacted] with a . difference. Credit liabilities vary by $[redacted] after [redacted] [redacted] payoffs monthly debs are $[redacted] and [redacted] reflects $[redacted] . Rent loss $[redacted] . Cash out - POC= [redacted]<br>Buyer Comment (2025-03-05): [redacted] approved current ratios [redacted] %, uploaded rental income worksheet for review and update of dti. reserves verified with final cash to close and savings, uploaded final settlement statement and CD supporting cash back | 03/26/2025 |  |  | 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) | 195 (redacted) |  | 34608546 |  | 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 Guidelines reflect the DTI maximum of [redacted]% with a FICO score of [redacted]and an LTV < [redacted]%. The calculated DTI for the subject loan is [redacted]%. The Guidelines require [redacted]months reserves. The Borrowers calculated reserves amount is [redacted]months. |  |  |  | Reviewer Comment (2025-03-26): Lender Exception with Compensating Factors, system cleared<br>Buyer Comment (2025-03-24): [redacted] debt excluded from ratios<br>Reviewer Comment (2025-03-17): We line up with income, rent loss and PITIA. Total debts = [redacted] [redacted] card).<br>Buyer Comment (2025-03-13): debt uploaded for dti calculation including uw worksheet supporting [redacted] % dti with [redacted] approval<br>Reviewer Comment (2025-03-09): The rent loss/income lines up with final [redacted] with a [redacted] difference. Credit liabilities vary by [redacted] after [redacted] [redacted] payoffs monthly debs are [redacted]<br>Buyer Comment (2025-03-05): cd at funding with final cash back to support reserves with cash savings<br>Buyer Comment (2025-03-05): [redacted] approval of ratios<br>Buyer Comment (2025-03-05): rental income worksheet<br>Buyer Comment (2025-03-05): [redacted] | 03/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608547 |  | 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]([redacted])([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) | The Guidelines reflect the DTI maximum of [redacted]% with a FICO score of [redacted]and an LTV < [redacted]%. The calculated DTI for the subject loan is [redacted]%. The Guidelines require [redacted]months reserves. The Borrowers calculated reserves amount is [redacted]months. |  |  |  | Reviewer Comment (2025-03-26): Documents received, system cleared.<br>Buyer Comment (2025-03-24): [redacted] debt excluded from ratios<br>Reviewer Comment (2025-03-17): We line up with income, rent loss and PITIA. Total debts = [redacted] installment loan and $[redacted] [redacted] card).<br>Buyer Comment (2025-03-13): uploaded rental debt, soft pull and uw debt calculation worksheet supporting ratios of [redacted]% with [redacted] approval<br>Reviewer Comment (2025-03-09): The rent loss/income lines up with final [redacted] difference. Credit liabilities vary by [redacted] after [redacted] payoffs monthly debs are $[redacted]<br>Buyer Comment (2025-03-05): [redacted] approved current ratios [redacted] %, uploaded rental income worksheet for review and update of dti. reserves verified with final cash to close and savings, uploaded final settlement statement and CD supporting cash back<br>Reviewer Comment (2025-02-24): Compensating factors do not support downgrading/waiving of the exception when multiple exceptions are layered on the loan. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 03/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608548 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject loan requires an appraisal review and approval on the subject property. The loan amount is $[redacted]and a value of $[redacted]. |  |  |  | Reviewer Comment (2025-03-04): [redacted] review provided.<br>Buyer Comment (2025-02-27): [redacted] review and approval of collateral for loan amt of [redacted] | 03/04/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608549 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Guidelines require [redacted] months reserves. The Borrowers calculated reserves amount is [redacted]months. |  |  |  | Reviewer Comment (2025-03-11): Exception Cleared - Received appraisal invoice paid before closing considered in assets associated the same and data updated as per provided document.<br>Buyer Comment (2025-03-10): appraisal invoice uploaded<br>Reviewer Comment (2025-03-09): Cash out - POC [redacted]<br>Buyer Comment (2025-03-05): Funding CD supporting sufficient cash back with verified assets to support [redacted] months reserves at closing<br>Buyer Comment (2025-03-05): final settlement statement supporting cash back $[redacted] | 03/11/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608550 |  | 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 Guidelines reflect the DTI maximum of [redacted]% with a FICO score of [redacted]and an LTV < [redacted]%. The calculated DTI for the subject loan is [redacted]%. The Guidelines require [redacted] months reserves. The Borrowers calculated reserves amount is [redacted]months. |  |  |  | Reviewer Comment (2025-03-26): Documents received, system cleared.<br>Reviewer Comment (2025-03-17): We line up with income, rent loss and PITIA. Total debts = [redacted]<br>Buyer Comment (2025-03-13): see uw debt calculations to support ratios of [redacted] %<br>Reviewer Comment (2025-03-09): The rent loss/income lines up with final [redacted] difference. Credit liabilities vary by $[redacted] after [redacted] payoffs monthly debs are [redacted]<br>Buyer Comment (2025-03-05): [redacted]<br>Buyer Comment (2025-03-05): [redacted] approval of ratios<br>Buyer Comment (2025-03-05): uw rental income worksheet, please review rent/loss reported and update ratios accordingly<br>Buyer Comment (2025-03-05): final settlement statement<br>Buyer Comment (2025-03-05): CD at funding with cash to close $[redacted] | 03/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608551 |  | 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 Initial Loan Estimate does not reflect a Credit Re--issue fee. The Loan Estimate issued on [redacted] reflects a Credit Re-issue fee of $[redacted]. The Changed Circumstance dated [redacted] does not contain verbiage of the additional credit report fee. The final signed and dated closing disclosure does not contain a tolerance cure for the additional fee. |  |  |  | Reviewer Comment (2025-03-17): [redacted] Letter of Explanation, Corrected CD and Payment history.<br>Buyer Comment (2025-03-14): pccd with cover letter<br>Buyer Comment (2025-03-14): cure |  | 03/17/2025 |  | 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) | 195 (redacted) |  | 34608552 |  | 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 final signed and dated Closing Disclosure reflects the Tolerance cure of $[redacted]. |  |  |  | Reviewer Comment (2025-02-28): 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 (2025-02-27): cd with closing credit applied | 02/28/2025 |  |  | 1 C A |  | 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) | 195 (redacted) |  | 34608553 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The Guidelines reflect the DTI maximum of [redacted]% with a FICO score of [redacted]and an LTV < [redacted]%. The calculated DTI for the subject loan is [redacted]%. The Guidelines require [redacted]months reserves. The Borrowers calculated reserves amount is [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 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 | Residual income > $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Prior homeownership experience (No FC or short Sale) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-03-26): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-03-24): [redacted] debt excluded from ratios<br>Reviewer Comment (2025-03-17): We line up with income, rent loss and PITIA. Total debts = [redacted] [redacted] card).<br>Buyer Comment (2025-03-13): dti documentation; rental docs, soft pull and uw dti worksheet. ratios total [redacted]%, [redacted] approved ratios<br>Reviewer Comment (2025-03-09): The rent loss/income lines up with fina [redacted] difference. Credit liabilities vary by $[redacted] after [redacted] payoffs monthly debs are [redacted]<br>Buyer Comment (2025-03-05): final settlement statement<br>Buyer Comment (2025-03-05): see final cd at closing with funds to close [redacted]<br>Buyer Comment (2025-03-05): [redacted] approval of ratios<br>Buyer Comment (2025-03-05): [redacted] supporting current ratios approved by [redacted] |  |  | 03/26/2025 | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 195 (redacted) |  | 34608554 |  | 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]([redacted])([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 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]%.<br>Miscellaneous | Residual income > $[redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Prior homeownership experience (No FC or short Sale) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-03-26): Lender Exception with Compensating Factors. |  |  | 03/26/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 196 (redacted) |  | 34608559 |  | 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 $290.00 plus 10% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-10): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-03-06): Please see PCCD & Pymt history showing a cure for $[redacted]due to increase in settlement charges. |  | 03/10/2025 |  | 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) | 196 (redacted) |  | 34608560 |  | 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 borrower does not meet the credit score requirement of [redacted] to use proceeds for reserves. | 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>Miscellaneous | Total monthly payment savings of at least $[redacted] to $[redacted]per month | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-03-05): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-03-03): Please see Non-agency loan approval summary attached. file was approved for an exception for FICO score below to guidelines of [redacted]points |  |  | 03/05/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 197 (redacted) |  | 34608566 |  | 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 (2025-02-18): Sufficient Cure Provided At Closing |  | 02/18/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 197 (redacted) |  | 34608567 |  | 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 does not document the borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-05-27): Documents received, system cleared.<br>Reviewer Comment (2025-03-14): Coborrower documentation for ownership received as articles reflect Coborrower as member with [redacted]% ownership. Borrower documentation provided for [redacted] Home Inspections only reflects Borrower as registered agent and organizer which is not an owner. Documentation does not reflect Borrower as member or owner. Guidelines require articles of incorp, operating agreement, corporate resolution or letter from tax preparer to verify ownership.<br>Buyer Comment (2025-03-12): Could you please escalate this exception to your team lead [redacted] is a Domestic company owned and operated by [redacted], the registered agent and organizer is the same person if there were additional parties or owners, they would be listed on the annual registration or the articles of organization. Please see attached documents which includes LOL from bwr, Certificate of Organization, Articles of organization and annual registration.<br>Reviewer Comment (2025-03-04): Registered Agents do not have to be owners. Provide evidence of ownership and percentage for [redacted]Evidence of % owner for Atlanta Prestige provided.<br>Buyer Comment (2025-02-28): Please see attached documents attached showing percentage of ownership from both companies.[redacted] | 05/27/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 197 (redacted) |  | 34608568 |  | 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 does not document the borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-05-27): Documents received, system cleared.<br>Reviewer Comment (2025-03-14): Coborrower documentation for ownership received as articles reflect Coborrower as member with [redacted]% ownership. Borrower documentation provided for [redacted] Inspections only reflects Borrower as registered agent and organizer which is not an owner. Documentation does not reflect Borrower as member or owner. Guidelines require articles of incorp, operating agreement, corporate resolution or letter from tax preparer to verify ownership.<br>Buyer Comment (2025-03-12): Could you please escalate this exception to your team lead? [redacted] is a Domestic company owned and operated by [redacted], the registered agent and organizer is the same person if there were additional parties or owners, they would be listed on the annual registration or the articles of organization. Please see attached documents which includes LOL from bwr, Certificate of Organization, Articles of organization and annual registration.<br>Reviewer Comment (2025-03-04): Registered Agents do not have to be owners. Provide evidence of ownership and percentage for [redacted]Evidence of % owner for [redacted] provided.<br>Buyer Comment (2025-02-28): Please see attached documents attached showing percentage of ownership from both companies. [redacted] | 05/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 197 (redacted) |  | 34608569 |  | 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 does not document the borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-05-27): Documents received, system cleared.<br>Buyer Comment (2025-05-23): CPA Letter addressing % of Ownership<br>Reviewer Comment (2025-03-14): Coborrower documentation for ownership received as articles reflect Coborrower as member with [redacted]% ownership. Borrower documentation provided for [redacted] Inspections only reflects Borrower as registered agent and organizer which is not an owner. Documentation does not reflect Borrower as member or owner. Guidelines require articles of incorp, operating agreement, corporate resolution or letter from tax preparer to verify ownership.<br>Buyer Comment (2025-03-12): Could you please escalate this exception to your team lead? [redacted] is a Domestic company owned and operated by [redacted], the registered agent and organizer is the same person if there were additional parties or owners, they would be listed on the annual registration or the articles of organization. Please see attached documents which includes LOA from bwr, Certificate of Organization, Articles of organization and annual registration.<br>Reviewer Comment (2025-03-04): Registered Agents do not have to be owners. Provide evidence of ownership and percentage for [redacted] Evidence of % owner for [redacted] provided.<br>Buyer Comment (2025-02-28): Please see attached documents attached showing percentage of ownership from both companies. [redacted] | 05/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 197 (redacted) |  | 34608570 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file does not document the borrower's ownership percentage in the business used for income qualification. |  |  |  | Reviewer Comment (2025-05-27): Documents received, system cleared.<br>Reviewer Comment (2025-03-14): Coborrower documentation for ownership received as articles reflect Coborrower as member with [redacted]% ownership. Borrower documentation provided for [redacted] Inspections only reflects Borrower as registered agent and organizer which is not an owner. Documentation does not reflect Borrower as member or owner. Guidelines require articles of incorp, operating agreement, corporate resolution or letter from tax preparer to verify ownership.<br>Buyer Comment (2025-03-12): Could you please escalate this exception to your team lead? [redacted] is a Domestic company owned and operated by [redacted], the registered agent and organizer is the same person if there were additional parties or owners, they would be listed on the annual registration or the articles of organization. Please see attached documents which includes LOA from bwr, Certificate of Organization, Articles of organization and annual registration.<br>Reviewer Comment (2025-03-03): Exception Remains - Required ownership percentage in the business for both borrowers, on provided document percentage of ownership is not able to identify, Required CPA Letter or Article of associated with ownership percentage on it.<br>Buyer Comment (2025-02-28): Please see attached documents attached showing percentage of ownership from both companies. [redacted] | 05/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 198 (redacted) |  | 34608572 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-03-05): Evidence of Taxpayer Consent provided exception cleared.<br>Buyer Comment (2025-03-04): Please see Taxpayer Consent attached. | 03/05/2025 |  |  | 1 B A |  | KS | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 198 (redacted) |  | 34608577 |  | 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 is less than Guideline PITIA months reserves 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 $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>Miscellaneous | Residual income >$[redacted].<br>Low default risk with substantial equity, LTV[redacted]lower than matrix.<br>Prior homeownership experience (No [redacted]or Short Sale)<br>Total monthly payment savings of [redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-02-20): Lender exception with compensating factors. |  |  | 02/20/2025 | 2 B |  | KS | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 198 (redacted) |  | 34608578 |  | 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 the borrower does not have sufficient assets to satisfy reserve requirements. |  |  |  | Reviewer Comment (2025-02-20): Lender exception, system cleared. | 02/20/2025 |  |  | 1 B A C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 198 (redacted) |  | 34608579 |  | 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 does not contain assets to satisfy the reserve requirement. |  |  |  | Reviewer Comment (2025-02-20): Lender exception, system cleared. | 02/20/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 198 (redacted) |  | 34608580 |  | 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.) | File does not contain assets to satisfy the reserve requirement. |  |  |  | Reviewer Comment (2025-02-20): Lender exception, system cleared. | 02/20/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 198 (redacted) |  | 34608581 |  | 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. | No cure or valid changed circumstance provided. |  |  |  | Reviewer Comment (2025-03-10): [redacted]received a valid COC.<br>Buyer Comment (2025-03-07): Please see following documents; CD dated [redacted] valid a COC, proof of delivery, rate lock, preliminary ALTA. looks like the file got an increase in the Docs Prep Fees due to changing or correcting bwr full names, Loan amount changes from [redacted] also see rate lock extension/relock.<br>Reviewer Comment (2025-03-06): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Title - Document preparation fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-05): Please see CD, proof of delivery and a valid COC attached. the preparation fees were added to the file on CD dated [redacted] but was a valid COC.<br>Reviewer Comment (2025-03-05): [redacted]received CD issued [redacted]. Title-Document preparation fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on [redacted]Fees on CD were paid to BC law. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-03-04): Please see PCCD attached showing corrections on Document Preparation Fee under section B<br>Reviewer Comment (2025-03-04): [redacted]received rebuttal that Title - Document preparation fee was borrower chosen. However, if the fee is borrower chosen it should have been disclosed under section C (Borrower did shop for). Corrected CD moving the title - document preparation fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-03-03): Please review [redacted] more time this exception. Per your LLS report you stated that settlement charges increase for more than [redacted]% but you are including a document preparation fee for the amount of $[redacted]but this fee has been charged by a company that our bwr chose so the increase is a valid increase. the Recording fee increase still under the [redacted]% allowed. the initial base line was set at [redacted] Please see provider list attached. | 03/10/2025 |  |  | 1 C A |  | KS | 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) | 198 (redacted) |  | 34608582 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file does not contain assets to satisfy reserve requirements. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Residual income >$[redacted].<br>Low default risk with substantial equity, LTV[redacted]lower than matrix.<br>Total monthly payment savings of [redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-21): Lender exception with compensating factors.<br>Reviewer Comment (2025-02-20): Lender exception with compensating factors. |  |  | 02/20/2025 | 2 B |  | KS | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 199 (redacted) |  | 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) | 200 (redacted) |  | 34608596 |  | 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. | 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]) |  |  |  | Reviewer Comment (2025-03-04): [redacted]received Letter of Explanation and Corrected CD.<br>Buyer Comment (2025-03-04): Please see final ALTA attached.<br>Reviewer Comment (2025-03-04): [redacted]received corrected PCCD and LOE, however we also require true & certified copy of final settlement statement to verify fees charged at closing.<br>Buyer Comment (2025-02-28): Please disregard previous notes in regards explanation for increase in recording fees. After further review, the issue for increase in recording fees was due to our system lumped all together the recording fee plus the transfer taxes. PC generated a new PCCD showing the correct charges for the recording fees, transfer taxes and state/taxes/stamps. Final ALTA is available for a further review. Please see attached PCCD<br>Reviewer Comment (2025-02-28): [redacted]received Changed Circumstance dated [redacted]but it does not give sufficient information which [redacted] title work done. 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 (2025-02-26): Please see CD dated [redacted] showing a valid COC proof of delivery and CD showing increase in settlement charges due to a [redacted] title work by adding or removing a bwr from file |  | 03/04/2025 |  | 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) | 201 (redacted) |  | 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) | 202 (redacted) |  | 34608601 |  | 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 (2025-03-11): [redacted]Received Letter of Explanation, Corrected CD and Payment history.<br>Buyer Comment (2025-03-10): remaining cure<br>Buyer Comment (2025-03-10): pccd with cover letter for remaining cure<br>Buyer Comment (2025-03-10): $[redacted]cure at closing for fees over tolerance |  | 03/11/2025 |  | 2 C B |  | WI | 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) | 202 (redacted) |  | 34608604 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not contain a Deed transferring the subject to property to the Borrower as the Borrower was not in title to the property at origination. The provided divorce decree reflects the property being awarded to spouse. |  |  |  | Reviewer Comment (2025-03-08): Quitclaim deed provided<br>Buyer Comment (2025-03-05): quit claim deed uploaded | 03/08/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 202 (redacted) |  | 34608605 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]([redacted])([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 (2025-03-11): Sufficient Cure Provided within [redacted] Days of Closing |  | 03/11/2025 |  | 1 A |  | WI | 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) | 203 (redacted) |  | 34608606 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The evidence of property insurance is missing from the loan file. |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): borrower signed LOE confirming no insurance for [redacted]<br>Reviewer Comment (2025-03-20): Provided hazard insurance policy is expired. Require hazard insurance policy effective at the time of note date. Exception remains.<br>Buyer Comment (2025-03-19): insurance coverage for second home | 06/18/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608608 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The Borrower prepaid the Hazard Insurance Premium. However, evidence of funds was missing from the loan file. |  |  |  | Reviewer Comment (2025-05-07): Exception cleared - The Hazard Insurance Premium paid receipt has been received and updated [redacted] as required.<br>Buyer Comment (2025-05-06): partial payment for subject hazard policy, borrower documented sufficient funds for remaining balance due of $[redacted]<br>Reviewer Comment (2025-03-21): There is a $[redacted]hazard insurance premium POC on the final CD. After backing cash to borrower from this amount the borrower needed $[redacted]funds to close. Paid invoice by borrower not located in file.<br>Buyer Comment (2025-03-19): [redacted] approval of no reserves and funding cd supporting no cash required for closing | 05/07/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608609 |  | 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 Guidelines for a Loan Amount of $[redacted]requires reserves of [redacted] months. The Borrower does not have any reserves. | 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. | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender Exception with Compensating Factors. |  |  | 03/07/2025 | 2 B |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608610 |  | 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 (2025-03-21): Documents received, system cleared.<br>Buyer Comment (2025-03-19): Appraisal emailed [redacted] to borrower | 03/21/2025 |  |  | 1 B A |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608611 |  | 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 Guidelines for a Loan Amount of $[redacted]requires reserves of [redacted] months. The Borrower does not have any reserves. The Guidelines for an Alt Doc Rate and Term Refinance with a score less than [redacted] has a maximum LTV of [redacted]%. |  |  |  | Reviewer Comment (2025-03-07): Lender Exception with Compensating Factors, system cleared. | 03/07/2025 |  |  | 1 B A C |  | AR | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 203 (redacted) |  | 34608614 |  | 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 Guidelines for a Loan Amount of $[redacted] requires reserves of [redacted] months. The Borrower does not have any reserves. The Guidelines for an Alt Doc Rate and Term Refinance with a score less than [redacted] has a maximum LTV of [redacted]%. |  |  |  | Reviewer Comment (2025-03-07): Lender Exception with Compensating Factors, system cleared. | 03/07/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608615 |  | 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 Guidelines for an Alt Doc Rate and Term Refinance with a score less than [redacted] has a maximum LTV 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 qualifying DTI on the loan is at least [redacted]less than the guideline maximum. | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender Exception with Compensating Factors. |  |  | 03/07/2025 | 2 B |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608616 |  | 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 Guidelines for an Alt Doc Rate and Term Refinance with a score less than [redacted] has a maximum CLTV 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 qualifying DTI on the loan is at least [redacted]less than the guideline maximum. | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-28): Lender exception with compensating factors.<br>Buyer Comment (2025-04-21): subordination agreement<br>Reviewer Comment (2025-04-21): At client's request.<br>Reviewer Comment (2025-04-07): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-04-03): [redacted] and 1008 uploaded<br>Reviewer Comment (2025-04-02): Client requested the exception be reopened.<br>Reviewer Comment (2025-03-07): Lender Exception with Compensating Factors. |  |  | 04/28/2025 | 2 B |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608617 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Guidelines will allow up to three NSF checks within a [redacted] month period for a Bank Statement Program. The Borrower has [redacted] checks listed. | 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. | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender Exception with Compensating Factors. |  |  | 03/07/2025 | 2 B |  | AR | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| (redacted) | 203 (redacted) |  | 34608619 |  | 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 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 (2025-03-26): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-03-25): cure and pccd with cover letter uploaded<br>Reviewer Comment (2025-03-20): [redacted]received rebuttal is correct, additional cure of $[redacted]is required. Please provide cure documents for $[redacted]which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-03-19): credit of $[redacted]applied at funding for increased fees. Please adjust cure request amount or confirm balance of $[redacted] |  | 03/26/2025 |  | 2 C B |  | AR | Primary | Refinance - Limited Cash-out GSE | 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) | 204 (redacted) |  | 34608624 |  | 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] business days from transaction date of [redacted]. | The Post closing CD reflects the disbursement on [redacted] and the cancel date listed on the Right To Cancel is [redacted]. |  |  |  | Reviewer Comment (2025-04-08): Provided.<br>Reviewer Comment (2025-03-31): The Closing Disclosure provided is missing information on page [redacted] and missing evidence of delivery to the borrower.<br>Buyer Comment (2025-03-27): Please disregards previous msg and documents.<br>Buyer Comment (2025-03-27): Please see attached final Settlement statement showing a cash to close for $[redacted] | 04/08/2025 |  |  | 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) | 204 (redacted) |  | 34608625 |  | 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). | The Post closing CD reflects the disbursement on [redacted] and the cancel date listed on the Right To Cancel is [redacted]. |  |  |  | Reviewer Comment (2025-04-08): Provided. | 04/08/2025 |  |  | 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) | 204 (redacted) |  | 34608627 |  | 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 $0.00. Insufficient or no cure was provided to the borrower. | The initial Loan Estimate does not contain a Second Appraisal fee. The final signed and dated Closing Disclosure reflects the Second Appraisal Fee in the amount of $[redacted]. The loan file does not contain evidence of the fee increase or a tolerance cure back to borrower at closing. |  |  |  | Reviewer Comment (2025-03-25): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-03-21): Please see PCCD attached reflecting the total cure applied to the file for $[redacted]which includes [redacted]<br>Reviewer Comment (2025-03-21): [redacted]received PCCD, LOE, copy of refund check and proof of mailing, however PCCD provided doesn't show cure amount of $[redacted]on sec J of CD. Please provide corrected PCCD with cure amount showing in sec J inner and outer column of CD.<br>Buyer Comment (2025-03-19): Please see Final CD attached showing a cure for $[redacted] more than enough to cover increase in settlement charges for an increase in credit report re-issue also see a check for $[redacted] for increase for second appraisal fee. the first cure was done as Principal reduction, and the appraisal fee was completed as refund check to bwr. |  | 03/25/2025 |  | 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) | 204 (redacted) |  | 34608628 |  | 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 maximum LTV/CLTV for a Cash-Out Refinance with a FICO of [redacted] is [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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No[redacted])<br>[redacted] months reserves versus [redacted]months required. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-03-22): Lender exception with compensating factors<br>Buyer Comment (2025-03-19): Please see attached Loan approval which listed an UW exception approval for LTV to [redacted]<br>Reviewer Comment (2025-03-14): Substantial cash reserves used as a comp factor but borrower has insufficient reserves as cash out proceeds not allowed with FICO score less than [redacted]. Additional comp factors required in order to downgrade and waive exception. |  |  | 03/22/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 204 (redacted) |  | 34608630 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | The Guidelines reflect the maximum Cash-out for a [redacted] % LTV/CLTV loan is $[redacted]. |  |  |  | Reviewer Comment (2025-04-01): Exception cleared - The Cash-out is within the maximum limit $[redacted]. Post Close CD updated correctly in [redacted].<br>Buyer Comment (2025-03-31): Could you please kindly review this exception one more time? I uploaded one more time the complete final settlement statement and PCCD showing that cash to close is $[redacted]plus payoff amount to [redacted] Loan Services $[redacted]which is lees that $[redacted]per guidelines. also, could you please advise what are the amount that you are including for the total Cash to close.<br>Reviewer Comment (2025-03-28): The incomplete Closing disclosure document provided which is not acceptable. Exception remains<br>Buyer Comment (2025-03-26): Please see final Settlement Statement showing a cash to close fo [redacted]<br>Reviewer Comment (2025-03-22): Lender exception only addresses the LTV to [redacted]and does not address the maximum cash back of $[redacted]and borrower receiving $[redacted]back at closing.<br>Buyer Comment (2025-03-19): Please see attached Loan approval which listed an UW exception approval for LTV to [redacted] | 04/01/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 204 (redacted) |  | 34608631 |  | 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 $0.00. Insufficient or no cure was provided to the borrower. | The initial Loan Estimate does not contain a Credit Re-issue fee. The final signed and dated Closing Disclosure reflects the Re-Issue fee in the amount of $[redacted]. The loan file does not contain evidence of the fee increase or a tolerance cure back to borrower at closing. |  |  |  | Reviewer Comment (2025-03-21): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-03-19): Please see Final CD attached showing a cure for $[redacted]more than enough to cover increase in settlement charges for an increase in credit report re-issue also see a check for $[redacted]for increase for second appraisal fee. the first cure was done as Principal reduction, and the appraisal fee was completed as refund check to bw |  | 03/21/2025 |  | 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) | 204 (redacted) |  | 34608632 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The maximum LTV/CLTV for a Cash-Out Refinance with a FICO of [redacted]is [redacted]%. The Guidelines reflect the maximum Cash-out for a [redacted]% LTV/CLTV loan is $[redacted]. |  |  |  | Reviewer Comment (2025-04-08): Cleared.<br>Buyer Comment (2025-04-04): Please see final settlement statement attached.<br>Reviewer Comment (2025-03-31): The Closing Disclosure provided is missing information on page [redacted] and missing evidence of delivery to the borrower.<br>Buyer Comment (2025-03-27): Please see final settlement statement attached<br>Reviewer Comment (2025-03-22): Lender exception only addresses the LTV to [redacted]% and does not address the maximum cash back of $[redacted]and borrower receiving $[redacted]back at closing.<br>Buyer Comment (2025-03-19): Please see attached Loan approval which listed an UW exception approval for LTV to [redacted]% | 04/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 204 (redacted) |  | 34608633 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal states PUD with $[redacted]/year fee and Security Instrument does not have PUD Rider box check and no PUD Rider located in file. |  |  |  | Reviewer Comment (2025-06-26): Cleared.<br>Buyer Comment (2025-06-24): Please see DOT and PUD Rider attached.<br>Reviewer Comment (2025-06-06): Loan had to be re-opened to address appraisal has property as a PUD with $[redacted]/year fee and Security Instrument does not have PUD Rider box checked and no PUD Rider in file. | 06/26/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 205 (redacted) |  | 34608637 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | The loan information state disclosure was not located within the loan file. |  |  |  | Reviewer Comment (2025-03-19): Acknowledgement of Receipt of Home Mortgage Loan Information document disclosure received and associated. Exception Cleared.<br>Buyer Comment (2025-03-18): Attached. | 03/19/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C A B | Non QM | Non QM | No |
| (redacted) | 205 (redacted) |  | 34608638 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | The Bankruptcy paperwork was not located within the loan file. |  |  |  | Reviewer Comment (2025-03-19): Document is not required. Exception Cleared.<br>Buyer Comment (2025-03-18): The bankruptcy shown on credit is a discharged Chapter [redacted] bankruptcy; no further documentation or seasoning should be required. | 03/19/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Debt Consolidation | C A B | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 34608641 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The minimum reserve requirements is [redacted] months. The Borrower does not have any reserves. | 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>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. | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted]ower than matrix.<br>Qualifying ratios of[redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-14): Lender Exception with Compensating Factors. |  |  | 03/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 34608642 |  | 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 minimum reserve requirements is [redacted] months. The Borrower does not have any reserves. | 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>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. | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted]ower than matrix.<br>Qualifying ratios of[redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-14): Lender Exception with Compensating Factors. |  |  | 03/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 34608644 |  | 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 minimum reserve requirements is [redacted] months. The Borrower does not have any reserves. |  |  |  | Reviewer Comment (2025-03-14): Lender Exception with Compensating Factors, system cleared | 03/14/2025 |  |  | 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) | 206 (redacted) |  | 34608645 |  | 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 minimum reserve requirements is [redacted] months. The Borrower does not have any reserves. |  |  |  | Reviewer Comment (2025-03-14): Lender Exception with Compensating Factors, system cleared | 03/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 206 (redacted) |  | 34608646 |  | 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 minimum reserve requirements is [redacted] months. The Borrower does not have any reserves. |  |  |  | Reviewer Comment (2025-03-14): Lender Exception with Compensating Factors, system cleared | 03/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608649 |  | 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 (2025-04-04): Exception cleared. Received proof of appraisal delivery to borrower [redacted] days prior to closing.<br>Buyer Comment (2025-04-03): Please see proof of appraisal been delivered to bwr. The Loan Processor submitted a copy of the appraisal report via mail. | 04/04/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608650 |  | 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. | [redacted] calculated APR exceeds threshold of APR [redacted]%. |  |  |  | Reviewer Comment (2025-04-04): Exception cleared. Received proof of appraisal delivery to borrower [redacted] days prior to closing.<br>Buyer Comment (2025-04-03): Please see proof of appraisal been delivered to bwr. The Loan Processor submitted a copy of the appraisal report via mail. | 04/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608651 |  | 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 of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-04-04): Exception cleared. Received proof of appraisal delivery to borrower [redacted] days prior to closing.<br>Buyer Comment (2025-04-03): Please see proof of appraisal been delivered to bwr. The Loan Processor submitted a copy of the appraisal report via mail. | 04/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608653 |  | 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 ([redacted]) month period of consummation |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Buyer Comment (2025-04-01): Could you please review this exception [redacted] more time? PC review credit report and there is signal of the bwr refinanced the loan less than [redacted] months before closing date also CD does look like we payoff a previous mortgage company. Could you please advise what documents are required to clear present exception. Please see Notice Concerning Extension of Credits attached. | 04/04/2025 |  |  | 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) | 207 (redacted) |  | 34608654 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | FICO is below minimum [redacted] | Borrower has verified disposable income of at least [redacted] | Residual income is greater than [redacted] | SitusAMC | Reviewer Comment (2025-04-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-03): Please see an update Non-Agency Loan Approval Summary attached. Loan approval added a new Comp Factor which is Residual Income greater than $[redacted]<br>Reviewer Comment (2025-04-03): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-04-01): Please see Non-Agency Loan Approval attached. this file was approved for LTV to [redacted] |  |  | 04/04/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608655 |  | 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 verified disposable income of at least [redacted] | Residual income is greater than [redacted] | SitusAMC | Reviewer Comment (2025-04-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-03): Please see an update Non-Agency Loan Approval Summary attached. Loan approval added a new Comp Factor which is Residual Income greater than $[redacted]<br>Reviewer Comment (2025-04-03): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 04/04/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608657 |  | 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. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least [redacted]<br>The qualifying DTI on the loan is at least [redacted]less than the guideline maximum.<br>Miscellaneous<br>Property damage is minor or non-material.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] | Residual income is greater than [redacted]<br>Prior Homeownership Experience (No [redacted] or Short Sale).<br>Prior Homeownership Experience (No [redacted] or Short Sale).<br>Total monthly savings of at least[redacted] per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator<br>SitusAMC,Originator<br>Originator<br>SitusAMC | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-30): ...<br>Reviewer Comment (2025-07-21): ..<br>Reviewer Comment (2025-04-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-04-03): Please see an update Non-Agency Loan Approval Summary attached. Loan approval added a new Comp Factor which is Residual Income greater than [redacted]<br>Reviewer Comment (2025-04-03): Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  | 09/30/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 207 (redacted) |  | 34608659 |  | 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 (2025-04-04): Cleared. | 04/04/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 207 (redacted) |  | 34608660 |  | 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 |  |  |  | Reviewer Comment (2025-04-04): Cleared. | 04/04/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608661 |  | 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. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-04-04): Property Inspection Report document received and associated. Exception Cleared.<br>Buyer Comment (2025-04-03): Please see Re-inspection report attached. property reported with no damage. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608663 |  | 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. | File is missing receipt of Appraisal. |  |  |  | Reviewer Comment (2025-04-03): Exception cleared - Appraisal Delivery proof received and updated [redacted].<br>Buyer Comment (2025-04-02): Please see attached proof of appraisal been sent to our borrower on [redacted] | 04/03/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608664 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-03): Exception cleared - Appraisal Delivery proof received and updated [redacted].<br>Buyer Comment (2025-04-02): Please see attached proof of appraisal been sent to our borrower on [redacted] | 04/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608665 |  | 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. | File is missing receipt of Appraisal. |  |  |  | Reviewer Comment (2025-04-03): Exception cleared - Appraisal Delivery proof received and updated [redacted].<br>Buyer Comment (2025-04-02): Please see attached proof of appraisal been sent to our borrower on [redacted] | 04/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608669 |  | 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 post-close Closing Disclosure. |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Buyer Comment (2025-04-02): Please see an update Initial Escrow Account Disclosure matching final CD the initial escrow acct amount | 04/04/2025 |  |  | 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) | 208 (redacted) |  | 34608671 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Reviewer Comment (2025-04-04): CPA letter is not within [redacted] business day of Note date. Exception Remains.<br>Buyer Comment (2025-04-03): Please see letter from CPA dated and signed [redacted] which is more than [redacted]business days from closing but also see screenshot from Loan processor who contacted the CPA on [redacted]o vrf that bwr's business still active.<br>Reviewer Comment (2025-04-03): Exception Remains - The certificate of good standing has been received. On the loan Business entity or CPA letter is not Within [redacted]business days of Note. Provide the Business entity or CPA letter Within [redacted] business days of Note date.<br>Buyer Comment (2025-04-02): Could you please review kindly this exception one more time? Per guidelines one of the reasons why is requested the Good Standing Certificate is to know that the business still on business and also to proof that business is been in business for at least [redacted] yrs. The [redacted] party certificate for good stating does not give any date or record when we pull from the Business search, but our Loan processor pull the good standing [redacted] times; firs [redacted] on [redacted]. Please see screenshots attached also the Articles of Incorporation showing that bwr's business has been for at least [redacted]yrs. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608672 |  | 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. | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Buyer Comment (2025-04-03): Please see letter from CPA dated and signed [redacted]which is more than [redacted]business days from closing but also see screenshot from Loan processor who contacted the CPA on [redacted] to vrf that bwr's business still active.<br>Reviewer Comment (2025-04-03): Exception Remains - The certificate of good standing has been received. On the loan Business entity or CPA letter is not Within [redacted] business days of Note. Provide the Business entity or CPA letter Within [redacted]business days of Note date.<br>Buyer Comment (2025-04-02): Could you please review kindly this exception one more time? Per guidelines one of the reasons why is requested the Good Standing Certificate is to know that the business still on business and also to proof that business is been in business for at least [redacted] yrs. The 3rd party certificate for good stating does not give any date or record when we pull from the Business search, but our Loan processor pull the good standing [redacted] times; firs [redacted] on [redacted] Please see screenshots attached also the Articles of Incorporation showing that bwr's business has been for at least [redacted]yrs. | 04/04/2025 |  |  | 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) | 208 (redacted) |  | 34608673 |  | 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.) | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Buyer Comment (2025-04-03): Please see letter from CPA dated and signed [redacted]which is more than [redacted] business days from closing but also see screenshot from Loan processor who contacted the CPA on [redacted] to vrf that bwr's business still active.<br>Reviewer Comment (2025-04-03): Exception Remains - The certificate of good standing has been received. On the loan Business entity or CPA letter is not Within [redacted]business days of Note. Provide the Business entity or CPA letter Within [redacted] business days of Note date.<br>Buyer Comment (2025-04-02): Could you please review kindly this exception [redacted] more time? Per guidelines one of the reasons why is requested the Good Standing Certificate is to know that the business still on business and also to proof that business is been in business for at least [redacted] yrs. The 3rd party certificate for good stating does not give any date or record when we pull from the Business search, but our Loan processor pull the good standing [redacted] times; firs [redacted] on [redacted] Please see screenshots attached also the Articles of Incorporation showing that bwr's business has been for at least [redacted] yrs. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608674 |  | 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. | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Buyer Comment (2025-04-03): Please see letter from CPA dated and signed [redacted]which is more than [redacted] business days from closing but also see screenshot from Loan processor who contacted the CPA on [redacted] to vrf that bwr's business still active.<br>Reviewer Comment (2025-04-03): Exception Remains - The certificate of good standing has been received. On the loan Business entity or CPA letter is not Within [redacted] business days of Note. Provide the Business entity or CPA letter Within [redacted] business days of Note date.<br>Buyer Comment (2025-04-02): Could you please review kindly this exception [redacted] more time? Per guidelines [redacted] of the reasons why is requested the Good Standing Certificate is to know that the business still on business and also to proof that business is been in business for at least [redacted] yrs. The 3rd party certificate for good stating does not give any date or record when we pull from the Business search, but our Loan processor pull the good standing [redacted] times; firs [redacted] on [redacted] Please see screenshots attached also the Articles of Incorporation showing that bwr's business has been for at least [redacted] yrs. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608675 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-04-04): Cleared.<br>Reviewer Comment (2025-04-04): CPA letter is not within [redacted]business day of Note date. Exception Remains.<br>Buyer Comment (2025-04-03): Please see letter from CPA dated and signed [redacted] which is more than [redacted] business days from closing but also see screenshot from Loan processor who contacted the CPA on [redacted] to vrf that bwr's business still active.<br>Reviewer Comment (2025-04-03): Exception Remains - The certificate of good standing has been received. On the loan Business entity or CPA letter is not Within [redacted] business days of Note. Provide the Business entity or CPA letter Within [redacted] business days of Note date.<br>Buyer Comment (2025-04-02): Could you please review kindly this exception [redacted] more time? Per guidelines [redacted] of the reasons why is requested the Good Standing Certificate is to know that the business still on business and also to proof that business is been in business for at least [redacted] yrs. The 3rd party certificate for good stating does not give any date or record when we pull from the Business search, but our Loan processor pull the good standing [redacted] times; firs [redacted] on [redacted] and second on [redacted]. Please see screenshots attached also the Articles of Incorporation showing that bwr's business has been for at least [redacted]. | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608677 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Credit score of [redacted]does not meet the minimum credit score requirement for an alt documentation loan program 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 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]ess than the guideline maximum.<br>Miscellaneous | Residual income >[redacted]<br>Qualifying ratios[redacted] or less.<br>Prior homeownership experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-21): Lender exception with compensating factors. |  |  | 07/21/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 208 (redacted) |  | 34608678 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Credit score of [redacted]does not meet the minimum credit score requirement for an alt documentation loan program 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 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]ess than the guideline maximum.<br>Miscellaneous | Residual income >[redacted]<br>Qualifying ratios[redacted] or less.<br>Prior homeownership experience (No FC or Short Sale) | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-21): Lender exception with compensating factors. |  |  | 07/21/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 209 (redacted) |  | 34608682 |  | 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] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | [redacted]Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  | Reviewer Comment (2025-04-14): Disclosure tracking provided reflecting borrowers viewed documents prior to closing, exception cleared.<br>Buyer Comment (2025-04-10): document uploaded supports both borrowers viewed the document, this is also confirming their receipt.<br>Reviewer Comment (2025-04-10): Document reflected with view date of [redacted] does not reflect closing documents. Document that reflects delivery of closing documents does not reflect receipt from borrowers.<br>Buyer Comment (2025-04-08): document uploaded supports both borrowers viewed package [redacted] for borrower [redacted]<br>Reviewer Comment (2025-04-03): Missing evidence of receipt from borrower.<br>Buyer Comment (2025-04-01): disclosure tracking supporting documents delivered to and viewed by borrower | 04/14/2025 |  |  | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 209 (redacted) |  | 34608683 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted] Acceptable FNMA 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. (The loan is a [redacted]) home equity loan.) | [redacted]Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  | Reviewer Comment (2025-04-14): Title work reflects endorsements will be issued, cleared.<br>Reviewer Comment (2025-04-10): Title reflects endorsements will be issued, exception cleared.<br>Buyer Comment (2025-04-08): disclosure tracking uploaded, page [redacted] starts submission to borrower with following pages including list of documents sent. See page [redacted] supporting both borrower's view of documents sent and page [redacted] for escrow instructions<br>Reviewer Comment (2025-04-03): Missing evidence of receipt from borrower.<br>Buyer Comment (2025-04-01): evidence of [redacted] endorsement and delivery and receipt of docs | 04/14/2025 |  |  | 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 C B A | Non QM | Non QM | No |
| (redacted) | 209 (redacted) |  | 34608684 |  | 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 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 (2025-04-23): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-04-22): cure check with [redacted] label, pccd with cover letter and updated [redacted] uploaded |  | 04/23/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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) | 209 (redacted) |  | 34608685 |  | 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 (2025-04-23): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-04-22): cure check, [redacted] label and updated [redacted] forms uploaded |  | 04/23/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | 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) | 209 (redacted) |  | 34608687 |  | 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 signed not evidence of reciept by borrower at least [redacted] ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-04-03): [redacted]received proof of receipt.<br>Buyer Comment (2025-04-01): CD viewed by both borrowers [redacted] | 04/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 209 (redacted) |  | 34608690 |  | 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 verified disposable income of at least [redacted] | Residual income greater than[redacted] | Originator,SitusAMC | Reviewer Comment (2025-04-03): Client elects to waive with compensating factors. Borrower FICO of [redacted]does not meet the guideline requirement of [redacted].<br>Buyer Comment (2025-04-01): [redacted] approval of FICO score of [redacted]uploaded |  |  | 04/03/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 210 (redacted) |  | 34608691 |  | 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 (2025-04-13): Proof of delivery provided, exception cleared.<br>Buyer Comment (2025-04-10): Please see another email from our Loan Processor showing proof of appraisal been delivered to borrower on [redacted]<br>Reviewer Comment (2025-04-07): No documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation.<br>Buyer Comment (2025-04-03): Please see attached document which shows that appraisal report was sent to borrower via regular mail. Our Loan Processor sent it on [redacted] | 04/13/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 210 (redacted) |  | 34608692 |  | 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 (2025-04-13): Proof of delivery provided, exception cleared.<br>Buyer Comment (2025-04-10): Please see another email from our Loan Processor showing proof of appraisal been delivered to borrower on [redacted]<br>Reviewer Comment (2025-04-07): Received document is not acceptable as it does not specify if the appraisal is received to the borrower. Exception remains<br>Buyer Comment (2025-04-03): Please see attached document which shows that appraisal report was sent to borrower via regular mail. Our Loan Processor sent it on [redacted] | 04/13/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 210 (redacted) |  | 34608694 |  | 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 (2025-04-02): [redacted] Received Corrected PCCD, Letter of Explanation and Payment history.<br>Buyer Comment (2025-03-31): Please see PCCD & Pymt history showing a cure for [redacted] due to increase in the credit report fee |  | 04/02/2025 |  | 2 C B |  | AL | 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) | 210 (redacted) |  | 34608695 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-04): [redacted] Received Corrected CD, Payment history and Letter of Explanation<br>Buyer Comment (2025-04-03): Please see PCCD & Pymt history showing a cure for [redacted] due to increase in settlement charges. Tax Service fee increase from [redacted] without a valid COC<br>Reviewer Comment (2025-04-02): [redacted]Exception will be Cured once Cure Docs are received.<br>Buyer Comment (2025-03-31): Please disregard previous note. Cure for [redacted] has already been requested<br>Buyer Comment (2025-03-31): Please see PCCD & Pymt history showing a cure for [redacted] due to increase in the credit report fee |  | 04/04/2025 |  | 2 C B |  | AL | 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) | 210 (redacted) |  | 34608696 |  | 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 (2025-04-13): Proof of delivery provided, exception cleared.<br>Buyer Comment (2025-04-10): Please see another email from our Loan Processor showing proof of appraisal been delivered to borrower on [redacted]<br>Reviewer Comment (2025-04-07): Exception remains as the appraisal is required to be delivered to borrower prior to closing.<br>Buyer Comment (2025-04-03): Please see attached document which shows that appraisal report was sent to borrower via regular mail. Our Loan Processor sent it on [redacted] | 04/13/2025 |  |  | 1 B A |  | AL | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 211 (redacted) |  | 34608699 |  | 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. | List of Homeownership Counseling Organizations is not provided. |  |  |  | Buyer Comment (2025-04-11): accept grade [redacted] |  |  | 04/11/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 211 (redacted) |  | 34608700 |  | 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 or $[redacted]. 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 - Lender's Title Insurance, Title - Tax Certificate Fee, Title - Settlement / Closing / Escrow Fee. No valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 04/14/2025 |  |  | 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) | 211 (redacted) |  | 34608704 |  | 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 or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided At Closing |  | 04/14/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 211 (redacted) |  | 34608705 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal has property as a PUD and $[redacted]/year HOA fee but Security Instrument does not have PUD Rider box checked and no PUD Rider in file. |  |  |  | Reviewer Comment (2025-06-27): Corrected Security Instrument and PUD rider provided<br>Buyer Comment (2025-06-25): PUD rider attached to Deed of Trust<br>Reviewer Comment (2025-06-06): Re-opened loan as appraisal has property as a PUD with [redacted] year fee and Security Instrument does not have PUD Rider box checked and no PUD Rider in file. | 06/27/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 34608707 |  | 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. | No evidence that borrower received a copy of appraisal at least [redacted] days to closing. |  |  |  | Reviewer Comment (2025-04-17): Delivery and receipt provided, system cleared.<br>Buyer Comment (2025-04-14): Evidence of borrower viewed appraisal report uploaded | 04/17/2025 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 212 (redacted) |  | 34608710 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is 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>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<br>Miscellaneous<br>Miscellaneous | Borrower has been employed in the same industry for more than[redacted]ears.<br>Residual income >[redacted]<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Total monthly payment savings of at least [redacted]per month.<br>Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2025-06-24): Lender exception with compensating factors. |  |  | 06/24/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 213 (redacted) |  | 34608712 |  | Compliance | Compliance | State Compliance | Compliance | [redacted] Day RNY has been discontinued effective [redacted]Most recent available index value used for bona fide discount point testing. |  |  |  |  |  | Buyer Comment (2025-04-15): accept grade[redacted] |  |  | 04/15/2025 | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 213 (redacted) |  | 34608715 |  | 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. | [redacted] Closing Disclosure indicates a total in section G for the initial escrow payment at closing of $[redacted]however, the Initial Escrow Account Disclosure reflects an initial deposit of $[redacted]. |  |  |  | Buyer Comment (2025-04-15): accept grade [redacted] |  |  | 04/15/2025 | 2 B |  | AR | 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) | 214 (redacted) |  | 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) | 214 (redacted) |  | 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) | 214 (redacted) |  | 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) | 214 (redacted) |  | 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) | 214 (redacted) |  | 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) | 214 (redacted) |  | 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) | 215 (redacted) |  | 34608728 |  | 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] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance o [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-23): updated pccd with cover letter<br>Reviewer Comment (2025-04-22): [redacted]received Post CD, LOX and payment history. However, we would also require corrected Post CD to reflect Principal reduction for [redacted] in order to cure the exception.<br>Buyer Comment (2025-04-22): please note additional credit applied at closing on page [redacted] of CD<br>Buyer Comment (2025-04-22): principal reductions applied with pccd and cover letter uploaded |  | 04/25/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 215 (redacted) |  | 34608729 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower does not meet minimum tradelines guideline requirements of [redacted] tradelines reporting for [redacted]months or [redacted] tradelines reporting for [redacted]months. Borrower has [redacted] tradeline reporting for [redacted]months. |  |  |  | Reviewer Comment (2025-04-21): Credit supplements in file reflecting [redacted] accounts rated for [redacted]months, exception cleared.<br>Buyer Comment (2025-04-16): Please see doc [redacted] in loan file, credit supplement supporting additional account ratings | 04/21/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 215 (redacted) |  | 34608731 |  | 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]File Contains Changed Circumstance dated [redacted]but it does not give sufficient information on why the Credit Report re-issue fee was added/ increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/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. |  |  |  | Reviewer Comment (2025-04-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-23): updated pccd with cover letter<br>Reviewer Comment (2025-04-22): [redacted]received Post CD, LOX and payment history. However, we would also require corrected Post CD to reflect Principal reduction for [redacted] in order to cure the exception.<br>Buyer Comment (2025-04-22): pccd with cover letter, cd page [redacted] notes credit for increased fee applied at closing and principal reductions applied to satisfy remaining cures uploaded |  | 04/25/2025 |  | 2 B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 216 (redacted) |  | 34608740 |  | 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 Re-Inspection 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 60 Days of Closing |  | 04/14/2025 |  | 1 A |  | NY | 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) | 217 (redacted) |  | 34608742 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. |  | Borrower declared borrower will be applying for a mortgage loan on another property on or before closing this transaction and is not disclosed on loan application. Loans applied on or before closing should be disclosed in Loan application. |  |  |  | Reviewer Comment (2025-04-28): Corrected application provided, exception cleared.<br>Buyer Comment (2025-04-24): updated 1003 with loe confirming no other mortgage applications<br>Reviewer Comment (2025-04-20): Documentation provided is for the subject property which is disclosed on the application. 1003 declarations state debt that was not disclosed. Exception remains.<br>Buyer Comment (2025-04-16): CD for recent purchase<br>Buyer Comment (2025-04-16): please see loan file doc [redacted]vor which includes the housing payment information for recently acquired property | 04/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| (redacted) | 217 (redacted) |  | 34608743 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes. Unable to determine qualification without this information. |  | Borrower declared borrower will be applying for a new credit on or before closing this transaction and is not disclosed on loan application. Loans applied on or before closing should be disclosed in Loan application. |  |  |  | Reviewer Comment (2025-04-28): Corrected application provided, exception cleared.<br>Buyer Comment (2025-04-24): updated 1003<br>Buyer Comment (2025-04-24): borrower loe confirming no other credit<br>Reviewer Comment (2025-04-20): Documentation provided is for the subject property which is disclosed on the application. 1003 declarations state debt that was not disclosed. Exception remains.<br>Buyer Comment (2025-04-16): CD from recent purchase<br>Buyer Comment (2025-04-16): CD for recent purchase<br>Buyer Comment (2025-04-16): please see loan file doc [redacted]vor which includes the housing payment information for recently acquired property | 04/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| (redacted) | 217 (redacted) |  | 34608744 |  | 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. | FACTA Credit Score Disclosure was provided at closing date, not provided within a reasonably practicable time after using credit score. |  |  |  | Buyer Comment (2025-04-16): accept grade [redacted] |  |  | 04/16/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| (redacted) | 217 (redacted) |  | 34608745 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject loan closed in an [redacted], exception opened per client request. | 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 representative FICO score exceeds the guideline minimum by at least [redacted]Points.<br>Miscellaneous<br>Miscellaneous | Residual income > [redacted]<br>Substantial reserves.<br>Excellent credit management with FICO [redacted]<br>Prior homeownership experience (No FC or Short Sale).<br>Low housing ratio of[redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-04-28): Lender exception with compensating factors.<br>Buyer Comment (2025-04-24): post consummate exception for vesting in [redacted] |  |  | 04/28/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| (redacted) | 219 (redacted) |  | 34608752 |  | 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]) business days from transaction date of [redacted] |  |  |  |  | Reviewer Comment (2025-05-14): Closing Disclosure issued on [redacted] and signed at closing [redacted] contains the accurate material disclosures necessary to meet rescission timing requirements. Exception cleared.<br>Buyer Comment (2025-05-14): Revised attestation and final SS uploaded.<br>Reviewer Comment (2025-05-06): Evidence /proof of actual date of receipt for the CD dated [redacted] is required to consider in the timing review.<br>Buyer Comment (2025-05-02): attestation letter for CD issued same day of closing due to taxes being paid prior to closing<br>Reviewer Comment (2025-04-21): CD dated [redacted] is not signed by Borrowers transaction date [redacted] with applying mailbox rule, exception remains.<br>Buyer Comment (2025-04-17): Please clarify which document you are referring to. Borrower signed docs [redacted], right to cancel period expired [redacted], loan disbursed [redacted] | 05/14/2025 |  |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 219 (redacted) |  | 34608753 |  | 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 (2025-05-14): Closing Disclosure issued on [redacted] and signed at closing [redacted] contains the accurate material disclosures necessary to meet rescission timing requirements. Exception cleared.<br>Buyer Comment (2025-05-14): Revised attestation and final SS uploaded.<br>Reviewer Comment (2025-05-06): Evidence /proof of actual date of receipt for the CD dated [redacted] is required to consider in the timing review.<br>Buyer Comment (2025-05-02): attestation letter for CD issued same day of closing due to taxes being paid prior to closing<br>Reviewer Comment (2025-04-21): CD dated [redacted] is not signed by Borrowers transaction date [redacted] with applying mailbox rule, exception remains.<br>Buyer Comment (2025-04-17): [redacted] signed [redacted] with rescission ending [redacted] loan disbursed [redacted]<br>Buyer Comment (2025-04-17): loan disbursed after rescission, uploaded [redacted] and consummation cd. if this does not satisfy condition, please specify what document you need updated/corrected and why | 05/14/2025 |  |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 219 (redacted) |  | 34608755 |  | 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 (2025-04-21): Delivery provided, system cleared.<br>Buyer Comment (2025-04-17): Appraisal delivery uploaded | 04/21/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608757 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount consider as per insurance document, however there is shortfall of coverage. |  |  |  | Reviewer Comment (2025-04-25): Coverage is > than loan amt, exception cleared.<br>Buyer Comment (2025-04-22): As seen on document page [redacted], the dwelling coverage is [redacted] which exceeds the loan amount of [redacted] | 04/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608759 |  | 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]) business days of application. | Initial dated affiliated business disclosure is required to mitigate this exception. |  |  |  | Buyer Comment (2025-04-28): Approve<br>Reviewer Comment (2025-04-25): Disclosure tracking does not reflect received and signed by Borrower.<br>Buyer Comment (2025-04-22): disclosure tracking showing fulfillment within [redacted] business days of application uploaded |  |  | 04/28/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608760 |  | 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]) 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. | Initial Loan Estimate dated [redacted] was electronically provided on [redacted], however E-Sign consent dated on [redacted] which is after the signature date of initial LE. |  |  |  | Reviewer Comment (2025-04-23): [redacted]received disclosure summary.<br>Buyer Comment (2025-04-22): disclosure tracking showing physical copy fulfilled within [redacted] business days of application | 04/23/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608761 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Valid Changed Circumstance is required to mitigate this exception. |  |  |  | Reviewer Comment (2025-04-14): Sufficient Cure Provided At Closing |  | 04/14/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 220 (redacted) |  | 34608762 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid cure document or Change of circumstance not provided. |  |  |  | Reviewer Comment (2025-04-23): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-04-22): PC CD and curecheck payment history uploaded |  | 04/23/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 220 (redacted) |  | 34608763 |  | 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 or valid COC provided. |  |  |  | Reviewer Comment (2025-04-23): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-04-22): Cure check payment history and PC CD uploaded |  | 04/23/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 220 (redacted) |  | 34608764 |  | 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. | Borrower has late mortgage payment after credit event. | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] | Total monthly payment savings of at least [redacted]per month. | SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-04-25): Lender exception with compensating factors.<br>Buyer Comment (2025-04-22): Underwriting parameter exception for mortgage history uploaded on approval summary<br>Reviewer Comment (2025-04-20): Borrower had recent mortgage credit event. No [redacted], but mtg late after [redacted] and mtg late after [redacted]. Poor mortgage history, unable to use this as Comp Factor. |  |  | 04/25/2025 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608765 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Reserves requirement not met. | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] | Total monthly payment savings of at least [redacted]per month. | SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-04-25): Lender exception with compensating factors.<br>Buyer Comment (2025-04-22): Underwriting Parameter Exception displayed on approval summary uploaded |  |  | 04/25/2025 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608766 |  | 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 requirement not met. | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] | Total monthly payment savings of at least [redacted]per month. | SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-04-25): Lender exception with compensating factors.<br>Buyer Comment (2025-04-22): Underwriting Parameter Exception for reserves displayed on approval summary uploaded |  |  | 04/25/2025 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608767 |  | 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 requirement not met. |  |  |  | Reviewer Comment (2025-04-25): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-04-22): Underwriting Parameter Exception for reserves displayed on approval summary uploaded | 04/25/2025 |  |  | 1 B A C |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 220 (redacted) |  | 34608768 |  | 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 requirement not met. |  |  |  | Reviewer Comment (2025-04-25): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-04-22): Underwriting Parameter Exception for reserves displayed on approval summary uploaded | 04/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608769 |  | 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 requirement not met. |  |  |  | Reviewer Comment (2025-04-25): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-04-22): Underwriting Parameter Exception for reserves displayed on approval summary uploaded | 04/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608770 |  | 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. | Provide evidence the borrower received copies of all appraisals at least [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-05-02): Exception cleared. Received proof of delivery of revised appraisal to borrower and updated correctly.<br>Buyer Comment (2025-04-30): Email evidence to [redacted] to mail revised appraisal to borrower on [redacted] uploaded<br>Reviewer Comment (2025-04-25): Loan file documents prior delivery of appraisal report on [redacted]. The most recent report in file was dated [redacted] and the loan file does not document delivery of this report to the borrower.<br>Buyer Comment (2025-04-22): Appraisal was requested to be mailed to borrower [redacted]. email evidence uploaded | 05/02/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608771 |  | 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. | Provide evidence the borrower received copies of all appraisals at least [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-05-02): Exception cleared. Received proof of delivery of revised appraisal to borrower and updated correctly.<br>Buyer Comment (2025-04-30): Email evidence to [redacted] to mail revised appraisal to borrower on [redacted] uploaded<br>Reviewer Comment (2025-04-25): Loan file documents prior delivery of appraisal report on [redacted]. The most recent report in file was dated [redacted] and the loan file does not document delivery of this report to the borrower.<br>Buyer Comment (2025-04-22): Appraisal was requested to be mailed to borrower [redacted]. email evidence uploaded | 05/02/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608772 |  | 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. | Provide evidence the borrower received copies of all appraisals at least [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-05-02): Exception cleared. Received proof of delivery of revised appraisal to borrower and updated correctly.<br>Buyer Comment (2025-04-30): Email evidence to [redacted] to mail revised appraisal to borrower on [redacted] uploaded<br>Reviewer Comment (2025-04-25): Loan file documents prior delivery of appraisal report on [redacted]. The most recent report in file was dated [redacted] and the loan file does not document delivery of this report to the borrower.<br>Buyer Comment (2025-04-22): Appraisal was requested to be mailed to borrower [redacted]. email evidence uploaded | 05/02/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 220 (redacted) |  | 34608773 |  | 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. | COC did not provide all required information. |  |  |  | Reviewer Comment (2025-04-23): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-04-22): Cure check payment history and PC CD uploaded |  | 04/23/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 220 (redacted) |  | 34608774 |  | 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. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/23/2025 |  | 1 A |  | TN | 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) | 220 (redacted) |  | 34608775 |  | 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. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/23/2025 |  | 1 A |  | TN | 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) | 220 (redacted) |  | 34608776 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/23/2025 |  | 1 A |  | TN | 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) | 221 (redacted) |  | 34608779 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal transfer letter not provided in file. |  |  |  | Reviewer Comment (2025-04-29): Exception cleared, report reflected in lender name.<br>Buyer Comment (2025-04-25): report is in the name of the seller, transaction is correspondent, appraisal will not be in [redacted] name | 04/29/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 34608780 |  | 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. | Proof of Appraisal delivery not provided in file. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): borrower confirmation of appraisal receipt | 05/06/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 34608781 |  | 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 (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): email from borrower acknowledging appraisal receipt | 05/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 34608782 |  | 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. | Proof of Appraisal delivery not provided in file. |  |  |  | Reviewer Comment (2025-04-29): System cleared, report is in name of lender. | 04/29/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 34608783 |  | 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. | Proof of Appraisal delivery not provided in file. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): email from borrower acknowledging appraisal receipt<br>Reviewer Comment (2025-04-29): Documentation for delivery of appraisal not provided, exception remains.<br>Buyer Comment (2025-04-29): plesae see COC for relock of loan and CD updates | 05/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 221 (redacted) |  | 34608785 |  | 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] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/15/2025 |  | 1 A |  | NJ | 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) | 221 (redacted) |  | 34608786 |  | 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 Rate Lock Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/15/2025 |  | 1 A |  | NJ | 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) | 221 (redacted) |  | 34608787 |  | 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 (2025-04-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/15/2025 |  | 1 A |  | NJ | 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) | 221 (redacted) |  | 34608788 |  | 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 Verification Of Employment Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/15/2025 |  | 1 A |  | NJ | 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) | 221 (redacted) |  | 34608789 |  | 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 - Service Charges. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/15/2025 |  | 1 A |  | NJ | 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) | 221 (redacted) |  | 34608790 |  | 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. | Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. COC form stated what changed, but not a valid explanation for the increase and the fees impacted. |  |  |  | Reviewer Comment (2025-04-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 04/28/2025 |  | 2 C B |  | NJ | 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) | 221 (redacted) |  | 34608791 |  | 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 Application Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. COC form stated what changed, but not a valid explanation for the increase and the fees impacted. |  |  |  | Reviewer Comment (2025-04-28): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-04-25): pccd and cure processed |  | 04/28/2025 |  | 2 C B |  | NJ | 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) | 221 (redacted) |  | 34608792 |  | 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 Rate Lock Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. COC form stated what changed, but not a valid explanation for the increase and the fees impacted. |  |  |  | Reviewer Comment (2025-05-08): [redacted] received a valid COC.<br>Buyer Comment (2025-05-07): COC sent out with CD for relock<br>Reviewer Comment (2025-04-30): [redacted] received COC dated [redacted] and fee added on CD dated[redacted] which is not within [redacted] days of COC. Please provide valid COC or any missing CD sent within [redacted] days of [redacted]<br>Buyer Comment (2025-04-29): plesae see COC for relock of loan and CD updates | 05/08/2025 |  |  | 1 C A |  | NJ | 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) | 221 (redacted) |  | 34608793 |  | 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. | Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. COC form stated what changed, but not a valid explanation for the increase and the fees impacted. |  |  |  | Reviewer Comment (2025-04-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-04-25): pccd and cure processed |  | 04/28/2025 |  | 2 C B |  | NJ | 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) | 221 (redacted) |  | 34608794 |  | 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]. Insufficient or no cure was provided to the borrower. | Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. COC form stated what changed, but not a valid explanation for the increase and the fees impacted. |  |  |  | Reviewer Comment (2025-04-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-04-25): pccd and cure processed |  | 04/28/2025 |  | 2 C B |  | NJ | 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) | 221 (redacted) |  | 34608795 |  | 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 - Service Charges. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Provide Valid Change of Circumstance with evidence to support change and amounts affected, or cure to the borrower with a Post-close Closing Disclosure and evidence it was sent to the borrower with an explanation of changes. COC form stated what changed, but not a valid explanation for the increase and the fees impacted. |  |  |  | Reviewer Comment (2025-04-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-04-25): pccd and cure processed |  | 04/28/2025 |  | 2 C B |  | NJ | 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) | 221 (redacted) |  | 34608797 |  | 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 Application Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/08/2025 |  | 1 A |  | NJ | 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) | 222 (redacted) |  | 34608799 |  | 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 that borrower received a copy of appraisal at least [redacted] days to closing. |  |  |  | Buyer Comment (2025-04-22): accept grade [redacted] |  |  | 04/22/2025 | 2 B |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608800 |  | 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 (2025-05-06): Cleared.<br>Buyer Comment (2025-05-05): borrower receipt of revised report<br>Buyer Comment (2025-05-05): initial appraisal report and proof of receipt. updated report in loan files supports revised report did not impact value<br>Buyer Comment (2025-05-02): please update grade to level [redacted] and clear, ECOA condition waived with grade [redacted] accepted<br>Reviewer Comment (2025-05-01): Appraisal order reflects an appraisal report was completed and emailed to the the boorower on [redacted]<br>Buyer Comment (2025-04-29): loan file includes [redacted] appraisal report dated [redacted], please clarify report dated [redacted] as noted on condition.<br>Reviewer Comment (2025-04-25): No documentation provided for delivery of most recent report dated [redacted], delivery of prior report dated [redacted]. Copy of [redacted] report not in file.<br>Buyer Comment (2025-04-22): matrix uploaded supporting max ltv for c/o primary residence is [redacted] fico. Borrower has documented reserves with gift deposited into acct, see gift letter and transfer in loan file upload. Please clarify if anything else is needed to clear condition | 05/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608801 |  | 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 that borrower received a copy of appraisal at least [redacted] days to closing. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-05): borrower receipt of updated report<br>Buyer Comment (2025-05-05): initial appraisal report and proof of borrower receipt, no value change in updated report<br>Buyer Comment (2025-05-02): please update grade to level [redacted] and clear, ECOA condition waived with grade [redacted] accepted<br>Reviewer Comment (2025-05-01): Appraisal order reflects an appraisal report was completed and emailed to the the boorower on [redacted]<br>Buyer Comment (2025-04-29): loan file includes [redacted] appraisal report dated [redacted], please clarify report dated [redacted] as noted on condition.<br>Reviewer Comment (2025-04-25): No documentation provided for delivery of most recent report dated [redacted], delivery of prior report dated [redacted]. Copy of [redacted] report not in file.<br>Buyer Comment (2025-04-22): matrix uploaded supporting max ltv for c/o primary residence is [redacted] fico. Borrower has documented reserves with gift deposited into acct, see gift letter and transfer in loan file upload. Please clarify if anything else is needed to clear condition | 05/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608803 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Federal HPML Compliance Test | [redacted](Regulation Z- [redacted]): Higher-Priced Mortgage Loan - Not Compliant |  |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-05): borrower confirmation receipt of updated report<br>Buyer Comment (2025-05-05): initial appraisal report with proof of delivery uploaded, updated report in loan file supports original subject value<br>Reviewer Comment (2025-05-01): The cure period expired on[redacted] days from consummation) and the cure would have required appropriate restitution and adjustments, which in this case would be a lowering of the APR to a value below the threshold of [redacted]. Since the Note rate is [redacted], a refund would not have been sufficient to cure. The Federal HPML exception does not have a cure option.<br>Buyer Comment (2025-04-29): please clarify if anything else is needed to cure the condition<br>Buyer Comment (2025-04-29): documentation (matrix) uploaded, see trailing doc [redacted] in loan file<br>Reviewer Comment (2025-04-25): No documentation provided for this exception.<br>Buyer Comment (2025-04-22): matrix uploaded supporting max ltv for c/o primary residence is [redacted] fico. Borrower has documented reserves with gift deposited into acct, see gift letter and transfer in loan file upload. Please clarify if anything else is needed to clear condition | 05/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608804 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold [redacted]Test 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] or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted]or Final Disclosure APR of [redacted]s equal to or greater than the threshold of APOR [redacted], or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-05): borrower confirmation receipt of revised report<br>Buyer Comment (2025-05-05): initial appraisal report with proof of delivery/receipt. no value change noted in updated report in loan file<br>Buyer Comment (2025-05-02): please update grade to level [redacted] and clear, ECOA condition waived with grade [redacted] accepted<br>Reviewer Comment (2025-05-01): The Federal HPML compliance issue is due to the missing receipt of [redacted] appraisal. Evidence of receipt of this appraisal is required and must meets the HPML timing requirements to cure the condition.<br>Buyer Comment (2025-04-29): please clarify if anything else is needed to cure the condition<br>Buyer Comment (2025-04-29): documentation (matrix) uploaded, see trailing doc [redacted] in loan file<br>Reviewer Comment (2025-04-25): No documentation provided for this exception.<br>Buyer Comment (2025-04-22): matrix uploaded supporting max ltv for c/o primary residence is [redacted] fico. Borrower has documented reserves with gift deposited into acct, see gift letter and transfer in loan file upload. Please clarify if anything else is needed to clear condition | 05/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | Within 30 days of closing and prior to receiving any notice, notify borrower, make appropriate restitution and adjustments.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the higher-priced threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| (redacted) | 222 (redacted) |  | 34608805 |  | 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. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] No COC in file. |  |  |  | Reviewer Comment (2025-04-22): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-22): pccd with cover letter and principal reduction uploaded |  | 04/22/2025 |  | 2 C B |  | ME | 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) | 222 (redacted) |  | 34608806 |  | 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 - Examination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No COC in file. |  |  |  | Reviewer Comment (2025-04-22): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-22): pccd with cover letter and principal reduction applied uploaded |  | 04/22/2025 |  | 2 C B |  | ME | 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) | 222 (redacted) |  | 34608807 |  | 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. | Copy of Closing Disclosure is required to be provided to borrower within [redacted] days of closing date. |  |  |  | Reviewer Comment (2025-04-22): [redacted] received disclosure summary for initial CD.<br>Buyer Comment (2025-04-22): disclosure tracking for [redacted] CD accepted and viewed by borrower | 04/22/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608808 |  | 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] was not signed and dated. |  |  |  | Reviewer Comment (2025-04-23): [redacted]received proof of receipt.<br>Buyer Comment (2025-04-22): disclosure tracking supporting [redacted] LE accepted and viewed by borrower | 04/23/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608809 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Score of [redacted] required for borrower to use cashout as reserves. Borrower does not meet score requirement. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): exception no longer required, borrower meets product guidelines. see note on updated [redacted]<br>Reviewer Comment (2025-05-01): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-04-29): updated exception approval uploaded<br>Reviewer Comment (2025-04-25): Please provide updated approval as approval reflects exception for using proceeds for reserves.<br>Buyer Comment (2025-04-22): matrix uploaded supporting max ltv for c/o primary residence is [redacted] fico. Borrower has documented reserves with gift deposited into acct, see gift letter and transfer in loan file upload. Please clarify if anything else is needed to clear condition | 05/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608810 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Score of [redacted] required for borrower to use cashout as reserves. Borrower does not meet score requirement. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): exception no longer required, borrower meets product guidelines. see note on updated [redacted]<br>Reviewer Comment (2025-05-01): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-04-29): updated exception approval uploaded<br>Reviewer Comment (2025-04-25): Please provide updated approval as approval reflects exception for using proceeds for reserves.<br>Buyer Comment (2025-04-22): please clarify condition and what else is required to clear<br>Buyer Comment (2025-04-22): matrix uploaded supporting max ltv for c/o primary residence is [redacted] fico. Borrower has documented reserves with gift deposited into acct, see gift letter and transfer in loan file upload | 05/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 222 (redacted) |  | 34608811 |  | 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] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/22/2025 |  | 1 A |  | ME | 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) | 222 (redacted) |  | 34608812 |  | 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 - Examination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/22/2025 |  | 1 A |  | ME | 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) | 223 (redacted) |  | 34608816 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [redacted] recent consecutive months bank statement (or recent [redacted]) required for assets consideration. |  |  |  | Reviewer Comment (2025-04-28): Cleared. Excluded from usability.<br>Buyer Comment (2025-04-22): [redacted] stmt for td acct [redacted] | 04/28/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 223 (redacted) |  | 34608820 |  | 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 o [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure or valid change of circumstance is required to cover the cure. |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 224 (redacted) |  | 34608823 |  | 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. |  |  |  |  | Buyer Comment (2025-05-09): accept grade [redacted]<br>Reviewer Comment (2025-05-09): Missing acknowledgement at closing by borrower for receipt of appraisal report dated [redacted] days prior to closing.<br>Buyer Comment (2025-05-07): Initial appraisal report, receipt by borrower and delivery of updated report with notation value not impacted by updated report. |  |  | 05/09/2025 | 2 B |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 34608824 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-14): Delivery provided, system cleared.<br>Reviewer Comment (2025-05-12): Appraisal waivers are not applicable to HPML loans.<br>Buyer Comment (2025-05-09): please update exception grade to [redacted], ECOA condition waived and accepted grade [redacted]. Updated appraisal report delivered after closing for minor update, no change in value<br>Reviewer Comment (2025-05-09): Missing acknowledgement at closing by borrower for receipt of appraisal report dated [redacted] days prior to closing.<br>Buyer Comment (2025-05-07): Initial appraisal report, receipt by borrower and delivery of updated report with notation value not impacted by updated report. | 05/14/2025 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 34608825 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-14): Delivery provided, system cleared.<br>Reviewer Comment (2025-05-12): Appraisal waivers are not applicable to HPML loans.<br>Buyer Comment (2025-05-09): please update exception grade to [redacted], ECOA condition waived and accepted grade [redacted]. Updated appraisal report delivered after closing for minor update, no change in value<br>Reviewer Comment (2025-05-09): Missing acknowledgement at closing by borrower for receipt of appraisal report dated [redacted] days prior to closing.<br>Buyer Comment (2025-05-07): Initial appraisal report, receipt by borrower and delivery of updated report with notation value not impacted by updated report. | 05/14/2025 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 34608826 |  | 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. A Credit Report Re - issue was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-24): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-22): pccd with cover letter and principal reduction applied |  | 04/24/2025 |  | 2 C B |  | DE | 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) | 224 (redacted) |  | 34608827 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. |  | CD dated [redacted] reflects he borrower receiving [redacted]cash back on page [redacted]of the CD. Cash back not allowed on a purchase. |  |  |  | Reviewer Comment (2025-04-30): Updated CD provided, exception cleared.<br>Buyer Comment (2025-04-22): corrected pccd for purchase transaction | 04/30/2025 |  |  | 1 A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 224 (redacted) |  | 34608829 |  | 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] business days prior to consummation. |  |  |  |  | Buyer Comment (2025-05-14): waived accept grade[redacted] |  |  | 05/14/2025 | 2 B |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 225 (redacted) |  | 34608833 |  | 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. | Rate lock document is missing in file. |  |  |  | Reviewer Comment (2025-04-28): Provided.<br>Buyer Comment (2025-04-23): Attached. | 04/28/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| (redacted) | 225 (redacted) |  | 34608836 |  | 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] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 226 (redacted) |  | 34608838 |  | 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. | 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 (2025-04-25): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-04-24): Cure Check payment history and PC CD uploaded satisfying both cure exceptions |  | 04/25/2025 |  | 2 C B |  | MD | Second Home | 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) | 226 (redacted) |  | 34608839 |  | 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 (2025-04-25): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-04-24): Cure Check payment history and PC CD uploaded satisfying both cure exceptions |  | 04/25/2025 |  | 2 C B |  | MD | Second Home | 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) | 226 (redacted) |  | 34608840 |  | 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 (2025-04-25): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/25/2025 |  | 1 A |  | MD | Second Home | 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) | 226 (redacted) |  | 34608841 |  | 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 (2025-04-25): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/25/2025 |  | 1 A |  | MD | Second Home | 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) | 227 (redacted) |  | 34608843 |  | 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 Amount of $[redacted]exceeds tolerance of $[redacted]. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-04-25): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-04-23): Curecheck payment history and PC CD uploaded |  | 04/25/2025 |  | 2 C B |  | RI | 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) | 227 (redacted) |  | 34608844 |  | 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): Provided.<br>Buyer Comment (2025-04-23): Evidence of appraisal delivery on [redacted] uploaded | 04/28/2025 |  |  | 1 B A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608845 |  | 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 1 [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | 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): Provided.<br>Buyer Comment (2025-04-23): Evidence of appraisal delivery on [redacted] uploaded | 04/28/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608846 |  | 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): Provided.<br>Buyer Comment (2025-04-23): Evidence of appraisal delivery on [redacted] uploaded | 04/28/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608847 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Rhode Island High-Cost Loan (High Cost Disclosure Not Provided) | [redacted]Island High-Cost Loan: High-Cost Home Loan Disclosure not provided to borrower. | High-Cost Home Loan Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2025-07-16): Offsets provided for third party fees supported by invoices. Exception cleared.<br>Buyer Comment (2025-07-16): See uploaded invoices for title fees, Appraisal HOA, and flood certification.<br>Reviewer Comment (2025-04-29): Invoices or similar documents for the third[[redacted] ]party required for non-finance charge fees (including title insurance invoice) to support that they are bona fide and reasonable.<br>Buyer Comment (2025-04-25): Appraisal fee, credit report fee, flood certification fee, tax service fee, title insurance fees should be excluded from[redacted] State Fees section as they are excluded according to [redacted] law. See document attached for more detail. when applicable fees excluded, the section total becomes [redacted] | 07/16/2025 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608848 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Home Loan Protection Act Counseling Received | [redacted]Island High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction. | [redacted]Island Home Loan Protection Act Counseling disclosure is missing |  |  |  | Reviewer Comment (2025-07-16): Offsets provided for third party fees supported by invoices. Exception cleared.<br>Buyer Comment (2025-07-16): See uploaded invoices for title fees, Appraisal HOA, and flood certification.<br>Reviewer Comment (2025-04-29): Invoices or similar documents for the third [redacted] party required for non-finance charge fees (including title insurance invoice) to support that they are bona fide and reasonable.<br>Buyer Comment (2025-04-25): Appraisal fee, credit report fee, flood certification fee, tax service fee, title insurance fees should be excluded from [redacted] State Fees section as they are excluded according to [redacted] law. See document attached for more detail. when applicable fees excluded, the section total becomes [redacted] | 07/16/2025 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608849 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Rhode Island High-Cost Loan (Points and Fees) | [redacted] Home Loan Protection Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of [redacted]). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of [redacted]). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-07-16): Offsets provided for third party fees supported by invoices. Exception cleared.<br>Buyer Comment (2025-07-16): See uploaded invoices for title fees, Appraisal HOA, and flood certification.<br>Reviewer Comment (2025-04-29): Invoices or similar documents for the third[1]party required for non-finance charge fees (including title insurance invoice) to support that they are bona fide and reasonable.<br>Buyer Comment (2025-04-25): Appraisal fee, credit report fee, flood certification fee, tax service fee, title insurance fees should be excluded from [redacted] State Fees section as they are excluded according to [redacted]law. See document attached for more detail. when applicable fees excluded, the section total becomes [redacted] | 07/16/2025 |  |  | 1 C A |  | RI | Primary | Purchase | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) assuming option 4(a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (6) assuming option 4(b) is selected, proof of cure for each of the prohibited practice violations noted. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| (redacted) | 227 (redacted) |  | 34608850 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Home Loan Protection Act Disclosure | [redacted]Island High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification. | [redacted]Island Home Loan Protection Act Disclosure is missing in loan file |  |  |  | Reviewer Comment (2025-07-16): Offsets provided for third party fees supported by invoices. Exception cleared.<br>Buyer Comment (2025-07-16): See uploaded invoices for title fees, Appraisal HOA, and flood certification.<br>Reviewer Comment (2025-04-29): Invoices or similar documents for the third[redacted]]party required for non-finance charge fees (including title insurance invoice) to support that they are bona fide and reasonable.<br>Buyer Comment (2025-04-25): Appraisal fee, credit report fee, flood certification fee, tax service fee, title insurance fees should be excluded from [redacted]State Fees section as they are excluded according to [redacted]law. See document attached for more detail. when applicable fees excluded, the section total becomes [redacted] | 07/16/2025 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608851 |  | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) Rhode Island Late Charge | [redacted]Island High-Cost Loan: Loan contains an impermissible late charge. | [redacted]Island High-Cost Loan: Loan contains an impermissible late charge. |  |  |  | Reviewer Comment (2025-07-16): Offsets provided for third party fees supported by invoices. Exception cleared.<br>Buyer Comment (2025-07-16): See uploaded invoices for title fees, Appraisal HOA, and flood certification.<br>Reviewer Comment (2025-04-29): Invoices or similar documents for the third[[redacted]]party required for non-finance charge fees (including title insurance invoice) to support that they are bona fide and reasonable.<br>Buyer Comment (2025-04-25): Appraisal fee, credit report fee, flood certification fee, tax service fee, title insurance fees should be excluded from [redacted] State Fees section as they are excluded according to [redacted] law. See document attached for more detail. when applicable fees excluded, the section total becomes[redacted] | 07/16/2025 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608854 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo. Guidelines require full project approval on all condos. | 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]<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 | Borrower has verified disposable income >[redacted]<br>Borrower's own funds used for down payment & closing (No Gifts or DPA).<br>Low default risk with equity, LTV[redacted] lower than matrix.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-21): Lender exception with compensating factors. |  |  | 04/21/2025 | 2 B |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608855 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Financed Fees | [redacted] High-Cost Loan: Fees financed in excess of the greater of five percent ([redacted]%) or $[redacted]. |  |  |  |  | Reviewer Comment (2025-07-16): Offsets provided for third party fees supported by invoices. Exception cleared.<br>Buyer Comment (2025-07-16): See uploaded invoices for title fees, Appraisal HOA, and flood certification.<br>Reviewer Comment (2025-05-22): Fee sheet received. Per review by our compliance department: While the final rule of the [redacted] Home Loan Protection Act allows for the exclusion of "[redacted] and reasonable fees" paid to a person other than the creditor or affiliate of creditor for certain services, including title insurance premiums, the Act further requires, under Records/Record-Keeping Section, that: "All Persons subject to the Act shall maintain evidence that includes a verifiable invoice or substantially similar document for [redacted] and Reasonable Fees. Substantially similar documents may include, without limitation, a master service agreement with the service provider that is applicable to all loans. Such documents relating to Bona Fide and Reasonable Fees need not be maintained in each individual loan file." As such, [redacted]requires a copy of an invoice for any third-party fees that are not finance charges to exclude such charges from the fee calculation.<br>If they can provide invoice or similar document for the third-party, non-finance charge fees to support they are bona fide and reasonable as required above, we can exclude from the RI points and fees calculation accordingly.<br>Buyer Comment (2025-05-15): Fees worksheet.<br>Reviewer Comment (2025-04-29): Invoices or similar documents for the third[[redacted] ]party required for non-finance charge fees (including title insurance invoice) to support that they are bona fide and reasonable.<br>Buyer Comment (2025-04-23): Updated PC CD and cure check uploaded | 07/16/2025 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 227 (redacted) |  | 34608856 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. |  | The Closing CD dated [redacted] in file reflects the borrower receiving total cash-out of $[redacted]on a purchase transaction. |  |  |  | Reviewer Comment (2025-04-30): Post close CD provided, exception cleared.<br>Buyer Comment (2025-04-23): Corrected CD uploaded | 04/30/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 228 (redacted) |  | 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) | 228 (redacted) |  | 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) | 228 (redacted) |  | 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) | 228 (redacted) |  | 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) | 228 (redacted) |  | 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) | 228 (redacted) |  | 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 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) | 228 (redacted) |  | 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 two 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) | 228 (redacted) |  | 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) | 228 (redacted) |  | 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) | 229 (redacted) |  | 34608875 |  | 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]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-04-24): pccd with cover letter and principal reduction |  | 04/25/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 229 (redacted) |  | 34608876 |  | 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 (2025-04-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/25/2025 |  | 1 A |  | TN | 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) | 230 (redacted) |  | 34608878 |  | 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 (2025-04-24): Please waive exception, disclosure was provided a month after application. |  |  | 04/24/2025 | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 230 (redacted) |  | 34608881 |  | 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]% tolerance was exceeded by $[redacted]due to Credit Report Fee increase. No valid change of circumstance provided. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-24): Cure check payment history uploaded, and CD showing principle reduction uploaded to other exception |  | 04/25/2025 |  | 2 C B |  | 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) | 230 (redacted) |  | 34608882 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. |  |  |  |  |  | Reviewer Comment (2025-04-30): Post CD provided with cash to close, exception cleared.<br>Buyer Comment (2025-04-24): Corrected PC CD uploaded | 04/30/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 231 (redacted) |  | 34608885 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-28): Delivery provided, system cleared.<br>Buyer Comment (2025-04-23): Proof revised appraisal delivered at least [redacted] days prior to consummation uploaded. | 04/28/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 232 (redacted) |  | 34608887 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2025-04-30): Delivery provided, system cleared.<br>Buyer Comment (2025-04-28): disclosure tracking details | 04/30/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Non QM | Non QM | No |
| (redacted) | 232 (redacted) |  | 34608891 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-04-30): Fraud report provided, exception cleared.<br>Buyer Comment (2025-04-28): clear fraud guard | 04/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Non QM | Non QM | No |
| (redacted) | 234 (redacted) |  | 34608897 |  | 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] days to closing. |  |  |  | Reviewer Comment (2025-04-28): Provided.<br>Buyer Comment (2025-04-23): appraisal delivery | 04/28/2025 |  |  | 1 B A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 234 (redacted) |  | 34608898 |  | 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] |  |  |  | Reviewer Comment (2025-04-28): Provided.<br>Buyer Comment (2025-04-23): appraisal delivery | 04/28/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 234 (redacted) |  | 34608899 |  | 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 that borrower received a copy of appraisal at least [redacted]business days to closing. |  |  |  | Reviewer Comment (2025-04-28): Provided.<br>Buyer Comment (2025-04-23): appraisal delivery | 04/28/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 234 (redacted) |  | 34608901 |  | 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 Fee increased to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-04-23): pccd with cover letter and pr |  | 04/25/2025 |  | 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) | 234 (redacted) |  | 34608904 |  | 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 (2025-04-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/25/2025 |  | 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) | 235 (redacted) |  | 34608911 |  | 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 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, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-24): PCCD and payment history reflecting PR uploaded. |  | 04/25/2025 |  | 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) | 235 (redacted) |  | 34608912 |  | 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 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, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-02): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-30): PCCD and payment history reflecting additional cure uploaded. |  | 05/02/2025 |  | 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) | 235 (redacted) |  | 34608913 |  | 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. | 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, Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-04-24): PCCD and payment history reflecting PR uploaded. |  | 04/25/2025 |  | 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) | 235 (redacted) |  | 34608914 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. |  |  |  |  |  | Reviewer Comment (2025-04-30): Revised CD provided, exception cleared.<br>Buyer Comment (2025-04-24): Clerical PCCD uploaded. | 04/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 236 (redacted) |  | 34608916 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-02): Exception Cleared - Received receipt of appraisal deliver via email to borrower prior to not date.<br>Buyer Comment (2025-05-01): appraisal delivery | 05/02/2025 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 236 (redacted) |  | 34608917 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-02): Exception Cleared - Received receipt of appraisal deliver via email to borrower prior to not date.<br>Buyer Comment (2025-05-01): Appraisal delivery | 05/02/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 236 (redacted) |  | 34608918 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-02): Exception Cleared - Received receipt of appraisal deliver via email to borrower prior to not date.<br>Buyer Comment (2025-05-01): appraisal delivery | 05/02/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 236 (redacted) |  | 34608920 |  | 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. | Flood insurance payment is included in escrow. |  |  |  | Buyer Comment (2025-05-01): accept grade [redacted] |  |  | 05/01/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| (redacted) | 236 (redacted) |  | 34608921 |  | 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]Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 237 (redacted) |  | 34608927 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-28): Delivery provided, system cleared.<br>Buyer Comment (2025-04-24): Please see image [redacted]page [redacted] reflecting disclosures delivered to the borrower. | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608928 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-28): Delivery provided, system cleared.<br>Buyer Comment (2025-04-24): Please see image [redacted]page [redacted] reflecting disclosures delivered to the borrower. | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608931 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent [redacted]months. |  | Income qualification is based off of [redacted]months bank statements per guidelines. The loan file only contains [redacted]months of bank statements. The loan file is missing the [redacted] bank statement. |  |  |  | Reviewer Comment (2025-05-08): [redacted] Bank Statement received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-07): [redacted] bank statement uploaded. | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608932 |  | 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. | Income qualification is based off of [redacted]months bank statements per guidelines. The loan file only contains [redacted]months of bank statements. The loan file is missing the [redacted] bank statement. |  |  |  | Reviewer Comment (2025-05-08): [redacted] Bank Statement received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-07): [redacted] bank statement uploaded. | 05/08/2025 |  |  | 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) | 237 (redacted) |  | 34608933 |  | 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.) | Income qualification is based off of [redacted]months bank statements per guidelines. The loan file only contains [redacted]months of bank statements. The loan file is missing the [redacted] bank statement. |  |  |  | Reviewer Comment (2025-05-08): [redacted] Bank Statement received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-07): [redacted] bank statement uploaded. | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608934 |  | 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. | Income qualification is based off of [redacted]months bank statements per guidelines. The loan file only contains [redacted]months of bank statements. The loan file is missing the [redacted] bank statement. |  |  |  | Reviewer Comment (2025-05-08): [redacted] Bank Statement received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-07): [redacted] bank statement uploaded. | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608935 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Income qualification is based off of [redacted]months bank statements per guidelines. The loan file only contains [redacted] months of bank statements. The loan file is missing the [redacted]bank statement. |  |  |  | Reviewer Comment (2025-05-08): [redacted] Bank Statement received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-07): [redacted] bank statement uploaded. | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608936 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | Delivery provided but form not provided with terms. |  |  |  | Reviewer Comment (2025-05-05): Provided.<br>Buyer Comment (2025-05-01): Initial Disclosure Tracking Summary reflecting disclosures delivered within [redacted] days of application. | 05/05/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608937 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. |  |  |  |  | Reviewer Comment (2025-05-05): Provided.<br>Buyer Comment (2025-05-01): Initial Disclosure Tracking Summary reflecting disclosures delivered within [redacted] days of application. | 05/05/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 237 (redacted) |  | 34608938 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. |  |  |  |  | Reviewer Comment (2025-05-05): Provided.<br>Buyer Comment (2025-05-01): Initial Disclosure Tracking Summary reflecting disclosures delivered within [redacted] days of application. | 05/05/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 238 (redacted) |  | 34608943 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-04-28): Provided.<br>Buyer Comment (2025-04-23): Initial escrow account disclosure uploaded. | 04/28/2025 |  |  | 1 B A |  | RI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 239 (redacted) |  | 34608947 |  | 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 (2025-04-29): Approve |  |  | 04/29/2025 | 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) | 241 (redacted) |  | 34608952 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow the use of business assets with [redacted]% ownership in the business. (Guideline require a minimum of [redacted]ownership in a business to use business assets.) | 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]<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]ess than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Qualifying Ratios of [redacted] or less.<br>Excellent credit management with FICO [redacted]<br>Low default risk with substantial equity, LTV[redacted] lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors. |  |  | 04/23/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 241 (redacted) |  | 34608953 |  | 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. | Copy of appraisal is required to be delivered to borrower within [redacted] days prior to closing. |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted]<br>Reviewer Comment (2025-05-02): 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 (2025-04-30): email is in loan file[redacted]<br>Buyer Comment (2025-04-30): please see loan file doc [redacted]<br>Buyer Comment (2025-04-30): email delivery of appraisal report uploaded<br>Reviewer Comment (2025-04-30): No documentation at closing to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation.<br>Buyer Comment (2025-04-28): appraisal delivery |  |  | 05/02/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 242 (redacted) |  | 34608959 |  | 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]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-09): [redacted]received PCCD, LEO and payment history for principal reduction of cure<br>Buyer Comment (2025-05-08): payment history uploaded<br>Reviewer Comment (2025-04-30): Cleared in error.<br>Reviewer Comment (2025-04-30): Cleared.<br>Reviewer Comment (2025-04-29): [redacted]received rebuttal. Please provide payment history to verify the principal reduction.<br>Buyer Comment (2025-04-28): PC CD showing [redacted] principle reduction uploaded |  | 05/09/2025 |  | 2 C B |  | 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) | 242 (redacted) |  | 34608960 |  | 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 (2025-05-09): Received appraisal delivery proof with delivery date [redacted] Exception cleared.<br>Buyer Comment (2025-05-08): Uploaded<br>Reviewer Comment (2025-04-30): Missing evidence of delivery for the appraisal dated [redacted]<br>Buyer Comment (2025-04-28): evidence of email delivery from appraisal management company to borrower uploaded | 05/09/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 242 (redacted) |  | 34608961 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-09): Received appraisal delivery proof with delivery date [redacted], Exception cleared.<br>Buyer Comment (2025-05-08): evidence of delivery uploaded<br>Reviewer Comment (2025-04-30): Missing evidence of delivery for the appraisal dated [redacted]<br>Buyer Comment (2025-04-28): evidence of email delivery from appraisal management company to borrower uploaded | 05/09/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 242 (redacted) |  | 34608962 |  | 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 (2025-05-09): Received appraisal delivery proof with delivery date [redacted], Exception cleared.<br>Buyer Comment (2025-05-08): evidence of delivery uploaded<br>Reviewer Comment (2025-04-30): Missing evidence of delivery for the appraisal dated [redacted]<br>Buyer Comment (2025-04-28): evidence of email delivery from appraisal management company to borrower uploaded | 05/09/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 242 (redacted) |  | 34608966 |  | 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 (2025-04-30): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/30/2025 |  | 1 A |  | MI | 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) | 243 (redacted) |  | 34608971 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted]: Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. |  |  |  |  | Reviewer Comment (2025-05-09): Cleared.<br>Buyer Comment (2025-05-07): CD with fees received [redacted] business day prior to consummation uploaded.<br>Reviewer Comment (2025-05-02): Disclosure not located in upload, exception remains.<br>Buyer Comment (2025-04-30): Disclosure uploaded. | 05/09/2025 |  |  | 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. C A | Non QM | Non QM | Yes |
| (redacted) | 244 (redacted) |  | 34608973 |  | 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 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of[redacted] or less<br>Total monthly payment savings of [redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors. |  |  | 04/23/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 244 (redacted) |  | 34608974 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | As per Guideline Fico requirement is [redacted]and Borrower FICO is [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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of[redacted] or less<br>Total monthly payment savings of [redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors. |  |  | 04/23/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 244 (redacted) |  | 34608977 |  | 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 Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]% and as per Guideline Fico requirement is [redacted]and Borrower FICO is [redacted] |  |  |  | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors, system cleared | 04/23/2025 |  |  | 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) | 244 (redacted) |  | 34608978 |  | 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 Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]% and as per Guideline Fico requiremen | 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of[redacted] or less<br>Total monthly payment savings of [redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors |  |  | 04/23/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 244 (redacted) |  | 34608979 |  | 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. | Total amount of $[redacted]exceeds tolerance of $[redacted]. No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-05-09): [redacted] received PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2025-05-07): LOE uploaded.<br>Reviewer Comment (2025-05-07): [redacted] Received Corrected PCCD and Payment history; however, LOE not provided. Provide LOE.<br>Buyer Comment (2025-05-06): PC CD and cure check uploaded |  | 05/09/2025 |  | 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) | 244 (redacted) |  | 34608980 |  | 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 Calculated debt to income ratio. exceeds Guideline maximum debt to income ratio and as per Guideline Fico requirement is [redacted]and Borrower FICO is [redacted]. |  |  |  | Reviewer Comment (2025-04-23): Lender Exception with Compensating Factors, system cleared | 04/23/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 245 (redacted) |  | 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) | 245 (redacted) |  | 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) | 245 (redacted) |  | 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) | 245 (redacted) |  | 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) | 245 (redacted) |  | 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) | 245 (redacted) |  | 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) | 246 (redacted) |  | 34608992 |  | 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 Documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Reviewer Comment (2025-05-02): Exception remains. Document present in file is the proof of delivery of appraisal on [redacted] and the appraisal report date is [redacted]<br>Buyer Comment (2025-04-30): Please see [redacted] | 05/02/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 34608993 |  | 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. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Buyer Comment (2025-04-30): [redacted] | 05/02/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 34608994 |  | 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 Documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Buyer Comment (2025-04-30): Delivered to and viewed by the borrower same day. | 05/02/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 34608997 |  | 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 DTI increased, [redacted] Lease with payment $[redacted]included in DTI calculation, No supporting document provided in file to verify payment was made by another party. |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Buyer Comment (2025-04-30): Please see [redacted] | 05/02/2025 |  |  | 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) | 246 (redacted) |  | 34608998 |  | 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 [redacted]): 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 [redacted]-B.) | DTI increased, [redacted] Lease with payment $[redacted]included in DTI calculation, No supporting document provided in file to verify payment was made by another party. |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Buyer Comment (2025-04-30): Please see [redacted] | 05/02/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 34608999 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI increased, [redacted] Lease with payment $[redacted]included in DTI calculation, No supporting document provided in file to verify payment was made by another party. |  |  |  | Reviewer Comment (2025-05-02): Exception cleared. Received proof of payment by other party and exception cleared.<br>Buyer Comment (2025-04-30): Attached evidence of payments by [redacted] | 05/02/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 246 (redacted) |  | 34609000 |  | 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. | DTI increased, [redacted] Lease with payment $[redacted]included in DTI calculation, No supporting document provided in file to verify payment was made by another party. |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Buyer Comment (2025-04-30): Please see [redacted] | 05/02/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 247 (redacted) |  | 34609005 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted]Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Signed tangible net benefit document is missing. |  |  |  | Reviewer Comment (2025-05-06): Provided.<br>Buyer Comment (2025-05-02): Attached. | 05/06/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 247 (redacted) |  | 34609006 |  | 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]with no valid change of circumstance. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-07): [redacted]Received Letter of attestation from lender for fee name change.<br>Buyer Comment (2025-05-06): Attestation attached.<br>Reviewer Comment (2025-05-06): [redacted]received rebuttal, however we require attestation confirming that title - search fee disclosed on CD and title - examination disclosed on LE are same fees. Please provide attestation to re-evaluate the exception.<br>Buyer Comment (2025-05-02): There does not appear to be a fee for Title - Abstract / Title Search on the consummation CD. Instead, there is a [redacted] charge for Title Examination, which was disclosed as [redacted] on the initial LE. It appears this is the same fee, but the funding CD renamed it from Title Examination to Title Search. | 05/07/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 247 (redacted) |  | 34609008 |  | 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 - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. A Title-Endorsement was added without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-13): [redacted]received snip of receipt of title prelim and LOE for adding title - endorsement fee.<br>Buyer Comment (2025-05-12): To be clear, prior comment stated policy received [redacted], not[redacted]. Attached is internal record of title document upload dates. The [redacted] policy is the original, the [redacted] is the update.<br>Reviewer Comment (2025-05-07): [redacted] Received seller comment stating title policy obtained on [redacted]; however, require evidence or supporting documents showing when title policy received by lender in order to verify fee charged within timeline.<br>Buyer Comment (2025-05-06): The updated title policy, obtained [redacted], removed the requirement from the initial commitment for a survey of the land. In lieu of the survey, title included [redacted] coverage which was the source of the [redacted] endorsement fee. See also the settlement statement stating "Title - [redacted] Same as Survey Endorsement"<br>Reviewer Comment (2025-05-06): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the title - endorsement 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 documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-02): Endorsement fees were disclosed with the attached LE and COC letter. | 05/13/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 248 (redacted) |  | 34609011 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  | Reviewer Comment (2025-05-02): Exception cleared. Received revised 1003 with corrected NMLS ID for Originator and exception cleared.<br>Buyer Comment (2025-04-30): Corrected NMLS | 05/02/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 248 (redacted) |  | 34609012 |  | 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 due to increase in settlement/closing fee and document preparation fees. No valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2025-05-07): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-06): pccd with cover letter and principal reduction uploaded |  | 05/07/2025 |  | 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) | 248 (redacted) |  | 34609013 |  | 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 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 (2025-05-07): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-06): pccd with cover letter and principal reduction uploaded |  | 05/07/2025 |  | 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) | 249 (redacted) |  | 34609017 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Credit score of [redacted]does not meet the [redacted]requirement to use proceeds for reserves. | 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>Miscellaneous<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] | Residual income > [redacted]<br>Low housing ratio of[redacted]or less.<br>Total monthly payment savings of[redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC | Reviewer Comment (2025-04-30): Lender exception with compensating factors. Borrower credit score of [redacted]does not meet the [redacted]requirement for use of proceeds for reserves.<br>Buyer Comment (2025-04-28): loan file doc [redacted]supports credit report with primary wage earner fico [redacted]and loan approval doc [redacted]supports [redacted] approval of FICO. Please advise where score [redacted] was derived from |  |  | 04/30/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 249 (redacted) |  | 34609018 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Credit score of [redacted]does not meet the [redacted]requirement to use proceeds for reserves. | 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>Miscellaneous<br>Miscellaneous<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted] | Residual income > [redacted]<br>Low housing ratio of[redacted]or less.<br>Total monthly payment savings of[redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator<br>SitusAMC | Reviewer Comment (2025-04-30): Lender exception with compensating factors. Borrower credit score of [redacted] does not meet the [redacted]requirement for use of proceeds for reserves.<br>Buyer Comment (2025-04-28): loan file doc [redacted]supports credit report with primary wage earner fico [redacted]and loan approval doc [redacted]supports [redacted] approval of FICO. Please advise where score [redacted] was derived from |  |  | 04/30/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 250 (redacted) |  | 34609020 |  | 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] days to closing. |  |  |  | Reviewer Comment (2025-05-14): Appraisal Proof of Delivery report document received and updated. Exception Cleared.<br>Buyer Comment (2025-05-13): Appraisal proof of delivery uploaded. | 05/14/2025 |  |  | 1 B A |  | KS | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 250 (redacted) |  | 34609021 |  | 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 (2025-05-14): Appraisal Proof of Delivery report document received and updated. Exception Cleared.<br>Buyer Comment (2025-05-13): Appraisal proof of delivery uploaded. | 05/14/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 250 (redacted) |  | 34609022 |  | 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 (2025-05-14): Appraisal Proof of Delivery report document received and updated. Exception Cleared.<br>Buyer Comment (2025-05-13): Appraisal proof of delivery uploaded. | 05/14/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609029 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-08): [redacted] Appraisal Disclosure timing exception cleared.<br>Buyer Comment (2025-05-06): [redacted] company holiday calendar<br>Reviewer Comment (2025-05-06): Please provide verification of company holidays to validate [redacted] office was closed in order to review request to clear exception.<br>Buyer Comment (2025-05-05): revised appraisal updated for clerical reasons, no value change as noted in file, please downgrade exception to grade 2 and clear based on ECOA condition<br>Reviewer Comment (2025-05-02): Loan is HPML with APR exceeding threshold.<br>Buyer Comment (2025-04-30): appraisal delivery of both reports | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609031 |  | 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]) business days of application. |  |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted]<br>Reviewer Comment (2025-05-02): Delivery of disclosure provided however, not within [redacted] days of the application. Exception is an [redacted] which can be elected to waive.<br>Buyer Comment (2025-04-30): disclosure tracking |  |  | 05/02/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609033 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Initial LE is not signed and dated. |  |  |  | Reviewer Comment (2025-05-07): Upon the receipt of more documentation the LE was received timely.<br>Buyer Comment (2025-05-06): [redacted] company holiday calendar<br>Reviewer Comment (2025-05-06): Please provide verification of company holidays to validate [redacted] office was closed in order to review request to clear exception.<br>Buyer Comment (2025-05-05): App date is [redacted], Thanksgiving [redacted] office closed [redacted]. Disclosure timing is [redacted] which is the date the appraisal was created and disclosed per tracking history previously provided. Timing appears to be met<br>Reviewer Comment (2025-05-01): Application date shows as [redacted] which means the Initial LE would need to be received no later than [redacted].<br>Buyer Comment (2025-04-30): All [redacted] delivery and receipt | 05/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609034 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted]<br>Reviewer Comment (2025-05-02): Delivery provided of disclosure however, not received within [redacted] days of the loan application. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-04-30): appraisal delivery of both reports |  |  | 05/02/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609035 |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  | Reviewer Comment (2025-05-08): [redacted]received evidence of lender's business day calendar and evidence of receipt within [redacted] business days of application.<br>Buyer Comment (2025-05-06): [redacted] company holiday calendar<br>Reviewer Comment (2025-05-06): Please provide verification of company holidays to validate Friday [redacted] office was closed in order to review request to clear exception.<br>Buyer Comment (2025-05-05): prior note on ECOA condition from [redacted]: Delivery provided of disclosure however, not received within [redacted] days of the loan application. Exception is an [redacted] which can be elected to waive.<br>Buyer Comment (2025-05-02): please downgrade to grade [redacted] and clear based on waived condition for ECOA. thank you<br>Reviewer Comment (2025-05-02): Delivery provided of disclosure however, not received within [redacted] days of the loan application.<br>Buyer Comment (2025-04-30): appraisal delivery of both reports | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609036 |  | 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] ([redacted]) business days of application. |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted]<br>Reviewer Comment (2025-05-02): Delivery provided of disclosure however, not received within [redacted] days of the loan application. Exception is an [redacted] which can be elected to waive.<br>Buyer Comment (2025-04-30): disclosure tracking |  |  | 05/02/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609038 |  | 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 borrower does not meet the reserve requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-06-24): Lender exception with compensating factors, system cleared. | 06/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 251 (redacted) |  | 34609039 |  | 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 borrower does not meet the reserve requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-06-24): Lender exception with compensating factors, system cleared. | 06/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609040 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The borrower does not meet the reserve requirement of [redacted] months. | 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>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 equity, LTV[redacted] lower than matrix.<br>Low housing ratio of[redacted] or less.<br>Total monthly payment savings of at least [redacted] per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-24): Lender exception with compensating factors. |  |  | 06/24/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609041 |  | 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 meet the reserve requirement of [redacted] months. | 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>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 equity, LTV[redacted] lower than matrix.<br>Low housing ratio of[redacted] or less.<br>Total monthly payment savings of at least [redacted] per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-24): Lender exception with compensating factors. |  |  | 06/24/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 251 (redacted) |  | 34609042 |  | 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. | The borrower does not meet the reserve requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-06-24): Lender exception with compensating factors, system cleared. | 06/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 252 (redacted) |  | 34609044 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement is missing in the file. |  |  |  | Reviewer Comment (2025-05-02): Exception cleared. Received Purchase contract and updated correctly.<br>Buyer Comment (2025-04-30): purchase contract | 05/02/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 252 (redacted) |  | 34609045 |  | 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] ([redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-05-02): accept grade [redacted] |  |  | 05/02/2025 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 252 (redacted) |  | 34609046 |  | 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 calculated amount financed charge $[redacted]. Final Closing disclosure $[redacted]a different of $[redacted]. |  |  |  | Reviewer Comment (2025-05-16): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-05-15): [redacted]with cover letter<br>Buyer Comment (2025-05-15): cure check and [redacted] label<br>Reviewer Comment (2025-05-02): Confirmed. Transaction is under disclosed [redacted]. Cure requires PCCD, LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2025-05-01): [redacted] tax title insurance is not a finance charge, please remove this figure from your calculations and confirm amount due for over disclosed fees is [redacted] |  | 05/16/2025 |  | 2 C B |  | NY | 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) | 252 (redacted) |  | 34609047 |  | 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 disclosed a finance charge of $[redacted]. Calculating at [redacted] with a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-05-16): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-05-15): pccd with cover letter,. check and [redacted] lable uploaded<br>Reviewer Comment (2025-05-02): Confirmed. Transaction is under disclosed [redacted]. Cure requires PCCD, LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2025-05-01): [redacted] tax title insurance is not a finance charge, please remove this figure from your calculations and confirm amount due for under disclosed fees is [redacted] |  | 05/16/2025 |  | 2 C B |  | NY | 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) | 252 (redacted) |  | 34609049 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is a non warrantable condo which is ineligible per guidelines. | 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]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has a clean housing payment history<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 >[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>Substantial cash reserves.<br>Low housing ratio of[redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-28): Lender exception with compensating factors. |  |  | 04/28/2025 | 2 B |  | NY | Primary | Purchase | D B C A | Non QM | Non QM | No |
| (redacted) | 253 (redacted) |  | 34609050 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-07): The [redacted] W2s were not required because the approval date of the loan was [redacted], before [redacted] taxes would be due. This was a [redacted]months' business income qualifying loan and so the W2 wages are also treated the same, only requiring [redacted] year of documentation. Because of the date of application and approval, the documented year was [redacted]. | 05/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 253 (redacted) |  | 34609054 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] CMPA Home Loan Toolkit Status | [redacted]Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-06): See attached, page [redacted], this was included in the initial disclosure package. | 05/08/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 253 (redacted) |  | 34609055 |  | 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]Sufficient or excess cure was provided to the borrower. | Recording fee total amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/25/2025 |  | 1 A |  | MI | 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) | 253 (redacted) |  | 34609056 |  | 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 (2025-04-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 04/25/2025 |  | 1 A |  | MI | 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) | 253 (redacted) |  | 34609057 |  | 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 the [redacted]W2 for the borrower's wage income. |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-07): The [redacted] W2s were not required because the approval date of the loan was[redacted] taxes would be due. This was a [redacted]months' business income qualifying loan and so the W2 wages are also treated the same, only requiring [redacted] year of documentation. Because of the date of application and approval, the documented year was [redacted]. | 05/08/2025 |  |  | 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) | 253 (redacted) |  | 34609058 |  | 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 the [redacted]W2 for the borrower's wage income. |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-07): The [redacted] W2s were not required because the approval date of the loan was [redacted], before [redacted]taxes would be due. This was a [redacted]months' business income qualifying loan and so the W2 wages are also treated the same, only requiring [redacted] year of documentation. Because of the date of application and approval, the documented year was [redacted]. | 05/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 253 (redacted) |  | 34609059 |  | 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. | The loan file is missing the [redacted]W2 for the borrower's wage income. |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-07): The [redacted] W2s were not required because the approval date of the loan was [redacted], before [redacted]taxes would be due. This was a [redacted] months' business income qualifying loan and so the W2 wages are also treated the same, only requiring [redacted] year of documentation. Because of the date of application and approval, the documented year was [redacted]. | 05/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 253 (redacted) |  | 34609060 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The loan file is missing the [redacted]W2 for the borrower's wage income. |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-07): The [redacted] W2s were not required because the approval date of the loan was [redacted], before [redacted]taxes would be due. This was a [redacted] months' business income qualifying loan and so the W2 wages are also treated the same, only requiring [redacted] year of documentation. Because of the date of application and approval, the documented year was [redacted]. | 05/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 (redacted) |  | 34609061 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is insufficient by $[redacted]. |  |  |  | Reviewer Comment (2025-05-14): Dwelling coverage amount covers the loan amount. Exception cleared<br>Buyer Comment (2025-05-13): This is not required. The coverage exceeds the loan amount. The required coverage is the lesser of the loan amount or the replacement cost.<br>Reviewer Comment (2025-05-08): Please provide replacement cost estimator to cover the shortfall, Exception remains.<br>Buyer Comment (2025-05-07): Loan amount is [redacted] and dwelling coverage is [redacted]. Policy also includes an additional [redacted] Other Structures coverage, which would be included in the total relevant coverage if the dwelling coverage were not sufficient on its own. | 05/14/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 (redacted) |  | 34609063 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-09): Cleared.<br>Buyer Comment (2025-05-07): Attached. | 05/09/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 (redacted) |  | 34609066 |  | 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. |  |  |  |  | Reviewer Comment (2025-04-25): Sufficient Cure Provided At Closing |  | 04/25/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 254 (redacted) |  | 34609067 |  | 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 (2025-05-09): Cleared.<br>Buyer Comment (2025-05-07): Attached. | 05/09/2025 |  |  | 1 C A |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 254 (redacted) |  | 34609068 |  | 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 documentation must be provided to show the borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-09): Cleared.<br>Buyer Comment (2025-05-07): Addressed on CPA letter, attached. | 05/09/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 254 (redacted) |  | 34609069 |  | 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 documentation must be provided to show the borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-09): Cleared.<br>Buyer Comment (2025-05-07): Please see [redacted] | 05/09/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 (redacted) |  | 34609070 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing documentation must be provided to show the borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-09): Provided.<br>Reviewer Comment (2025-05-08): Please provide document which shows the borrower's percentage of business ownership, Exception remains.<br>Buyer Comment (2025-05-07): Please see [redacted] | 05/09/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 (redacted) |  | 34609071 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing documentation must be provided to show the borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-09): Cleared.<br>Reviewer Comment (2025-05-08): Please provide document which shows the borrower's percentage of business ownership, Exception remains.<br>Buyer Comment (2025-05-07): Please see [redacted] | 05/09/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 254 (redacted) |  | 34609072 |  | 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 documentation must be provided to show the borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-05-09): Cleared.<br>Buyer Comment (2025-05-07): Please see [redacted] | 05/09/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 255 (redacted) |  | 34609075 |  | 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]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-08): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-05-07): Cure already completed, please see attached. |  | 05/08/2025 |  | 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) | 255 (redacted) |  | 34609076 |  | 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 (2025-05-08): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/08/2025 |  | 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) B A | Non QM | Non QM | Yes |
| (redacted) | 256 (redacted) |  | 34609079 |  | 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 of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Buyer Comment (2025-05-09): Approve<br>Reviewer Comment (2025-05-09): No documentation in the file at closing to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation.Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-05-07): Delivered [redacted], more than [redacted] days prior to closing. |  |  | 05/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 256 (redacted) |  | 34609081 |  | 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. | Credit report Fee was disclosed on initial Loan estimate as $[redacted]but disclosed but final Closing Disclosure $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-07): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-07): Cure already completed, please see attached. |  | 05/07/2025 |  | 2 C B |  | 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) | 256 (redacted) |  | 34609082 |  | 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 (2025-05-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/07/2025 |  | 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) | 257 (redacted) |  | 34609087 |  | 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] Title-Services charge was not included in the amount financed. |  |  |  | Reviewer Comment (2025-06-13): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-06-12): Please see [redacted], proof of delivery and Check mailed to bwr for the amount of [redacted]<br>Reviewer Comment (2025-06-10): [redacted]received Corrected CD, LOE to borrower, copy of executed RTC's reopening rescission, proof of mailing and copy of servicing records reflecting [redacted] principal reduction. Unfortunately, principal reduction on a Material Disclosure violation is not acceptable cure funds to borrower. Must be provided a copy of a cure refund check for total underdisclosure of [redacted] along with proof of mailing/tracking. [redacted]reviews & tests per SFA Grid which provides that principal reduction as a cure for inaccurate APR, Finance Charge or TOP resulting from prepaid finance charges/fee-related under-disclosures are not permissible. [redacted] under Remediation Considerations state within that: "Inaccurate APR, Finance Charge, or TOP resulting from fee-related under-disclosures will require a refund check to cure and cannot be cured with a loan modificatoin (principal curtailments are not permissible) To cure a material disclosure violation, borrower must be remediated in form of a one lump sum refund cash/check to cure.<br>Buyer Comment (2025-06-09): Please see [redacted] showing cure for [redacted], Pymt history and proof of delivery to bwr attached.<br>Reviewer Comment (2025-05-07): [redacted] received compliance report. That the compliance report matches to the [redacted] PCCD on the finance charge does not cure this underdisclosure at closing. The final CD disclosed the finance charge at [redacted] which was underdisclosed by [redacted] and over tolerance which requires curing refund to borrower. Provide Corrected CD, LOE to borrower, copy of cure refund for [redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-05-06): Please see new [redacted]report attached. Our compliance dept corrected the over disclosed financial charges and under-disclosed the amount financed by the amount of [redacted]corrected in the system.<br>Reviewer Comment (2025-05-02): Title - Title Services are being tested as a finance charge. TRID Grid [redacted], Additional Considerations, Row [redacted]. While fee naming conventions is outside of scope, for purposes of fee tolerance testing, creditors should ensure that fee names used are substantially consistent across all disclosures and describes the actual service or function representing the cost. The <br> regulations require creditors to label the loan costs using terminology that describes each item clearly and conspicuously and describes the service or administrative function that the charge pays for in a manner that is reasonably understood by consumers <br> [redacted]. Fee name is assumed to be a finance charge as fee name is non-descriptive of services provided.<br>Buyer Comment (2025-05-01): See LLS and Mavent report attached<br>Buyer Comment (2025-05-01): Could you please review one more time this exception? the Consummation CD dated [redacted] shows a discrepancy in the financial charges for the amount of [redacted] but then we generated the final CD or funder CD which is showing corrections on the financial charges. see attached LLS, [redacted] report and final CD dated [redacted] |  | 06/13/2025 |  | 2 C B |  | HI | Primary | Refinance - Cash-out - Home Improvement | 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) | 257 (redacted) |  | 34609088 |  | 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] 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 Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of [redacted] A Title-Services charge was not included in the amount financed. |  |  |  | Reviewer Comment (2025-06-13): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-06-12): Please see [redacted], proof of delivery and Check mailed to bwr for the amount of [redacted],<br>Reviewer Comment (2025-06-10): [redacted]received Corrected CD, LOE to borrower, copy of executed RTC's reopening rescission, proof of mailing and copy of servicing records reflecting [redacted] principal reduction. Unfortunately, principal reduction on a Material Disclosure violation is not acceptable cure funds to borrower. Must be provided a copy of a cure refund check for total underdisclosure of [redacted] along with proof of mailing/tracking. [redacted] reviews & tests per [redacted] which provides that principal reduction as a cure for inaccurate APR, Finance Charge or TOP resulting from prepaid finance charges/fee-related under-disclosures are not permissible. [redacted]under Remediation Considerations state within that: "Inaccurate APR, Finance Charge, or TOP resulting from fee-related under-disclosures will require a refund check to cure and cannot be cured with a loan modificatoin (principal curtailments are not permissible) To cure a material disclosure violation, borrower must be remediated in form of a one lump sum refund cash/check to cure.<br>Buyer Comment (2025-06-09): Please see [redacted], PCCD showing cure for [redacted], Pymt history and proof of delivery to bwr attached.<br>Reviewer Comment (2025-05-07): [redacted]received compliance report. That the compliance report matches to the [redacted] PCCD on the finance charge does not cure this underdisclosure at closing. The final CD disclosed the finance charge at [redacted] which was underdisclosed by [redacted] and over tolerance which requires curing refund to borrower. Provide Corrected CD, LOE to borrower, copy of cure refund for [redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-05-06): Please see new [redacted] report attached. Our compliance dept corrected the over disclosed financial charges and under-disclosed the amount financed by the amount of [redacted] corrected in the system.<br>Reviewer Comment (2025-05-02): Title - Title Services are being tested as a finance charge. TRID Grid [redacted], Additional Considerations, Row [redacted]. While fee naming conventions is outside of scope, for purposes of fee tolerance testing, creditors should ensure that fee names used are substantially consistent across all disclosures and describes the actual service or function representing the cost. The <br> regulations require creditors to label the loan costs using terminology that describes each item clearly and conspicuously and describes the service or administrative function that the charge pays for in a manner that is reasonably understood by consumers <br> [redacted]. Fee name is assumed to be a finance charge as fee name is non-descriptive of services provide<br>Buyer Comment (2025-05-01): see LLS and [redacted] report attached.<br>Buyer Comment (2025-05-01): Could you please review one more time this exception? the Consummation CD dated [redacted] shows a discrepancy in the financial charges for the amount of [redacted] but then we generated the final CD or funder CD which is showing corrections on the financial charges. see attached LLS, [redacted]report and final CD dated [redacted] |  | 06/13/2025 |  | 2 C B |  | HI | Primary | Refinance - Cash-out - Home Improvement | 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) | 257 (redacted) |  | 34609090 |  | 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. A credit report reissue fee was added without a valid change of circumstance in the amount of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Reviewer Comment (2025-05-05): [redacted]: The Lender credit in the amount of[redacted] provided on Post CD dated [redacted]. Hence, we also required LOX, refund Check and mailing label to borrower that they received refund amount of [redacted] or provide Final settlement statement to verify the lender credit applied to the specific fees in order to cure this exception.<br>Buyer Comment (2025-05-01): Please see final CD dated [redacted] showing a lender credit for the amount of [redacted] which is the same amount that is exceeding the credit report fee. lender credit is listed on page # [redacted] under section [redacted]. | 05/06/2025 |  |  | 1 C A |  | HI | 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) | 257 (redacted) |  | 34609091 |  | 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 (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Please see proof of appraisal been delivered to borrower on [redacted] | 05/06/2025 |  |  | 1 B A |  | HI | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 257 (redacted) |  | 34609092 |  | 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 (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Please see proof of appraisal been delivered to borrower on [redacted] | 05/06/2025 |  |  | 1 B A |  | HI | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 257 (redacted) |  | 34609093 |  | 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 H-9 form should have been used. |  |  |  |  | Buyer Comment (2025-04-30): accepted |  |  | 04/30/2025 | 2 B |  | HI | 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) | 257 (redacted) |  | 34609094 |  | 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 (2025-05-06): Sufficient Cure Provided within [redacted]Days of Closing |  | 05/06/2025 |  | 1 A |  | HI | 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) | 258 (redacted) |  | 34609096 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-02): Exception Cleared - Received receipt of appraisal deliver via email to borrower prior to not date.<br>Buyer Comment (2025-04-30): Please see proof of appraisal attached been delivered to bwr on [redacted] | 05/02/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 258 (redacted) |  | 34609097 |  | 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. | PR 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 (2025-05-02): Exception Cleared - Received receipt of appraisal deliver via email to borrower prior to not date.<br>Buyer Comment (2025-04-30): Please see proof of appraisal attached been delivered to bwr on [redacted] | 05/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 258 (redacted) |  | 34609098 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-02): Exception Cleared - Received receipt of appraisal deliver via email to borrower prior to not date.<br>Buyer Comment (2025-04-30): Please see proof of appraisal attached been delivered to bwr on [redacted] | 05/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 258 (redacted) |  | 34609100 |  | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. |  |  |  |  |  | Reviewer Comment (2025-05-02): Exception Cleared - Received PCCD with correct fees data updated as per provided documents.<br>Buyer Comment (2025-04-30): Please see correct PCCD showing corrections in the cash to close. | 05/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 259 (redacted) |  | 34609103 |  | 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. |  |  |  |  |  | Reviewer Comment (2025-05-02): Provided.<br>Buyer Comment (2025-04-30): proposed insured | 05/02/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 260 (redacted) |  | 34609108 |  | 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. |  |  |  | Buyer Comment (2025-05-06): Accepted<br>Reviewer Comment (2025-05-06): 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.<br>Buyer Comment (2025-05-02): Please see proof of appraisal been delivered to our borrower on [redacted] |  |  | 05/06/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 260 (redacted) |  | 34609109 |  | 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. | Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted] |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Please see proof of appraisal been delivered to our borrower on [redacted] | 05/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 260 (redacted) |  | 34609110 |  | 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 (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Please see proof of appraisal been delivered to our borrower on [redacted] | 05/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 260 (redacted) |  | 34609112 |  | 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 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. | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Reserves: [redacted]<br> Guideline Requirement[redacted] | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-28): Client elects to waive with compensating factors. |  |  | 04/28/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 260 (redacted) |  | 34609113 |  | 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 (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Please see initial and last rate lock attached. | 05/06/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 260 (redacted) |  | 34609115 |  | 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 (2025-05-06): Accepted |  |  | 05/06/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 34609120 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | [redacted] Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  | Reviewer Comment (2025-05-06): Provided. | 05/06/2025 |  |  | 1 A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 34609121 |  | 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] business days of application. | Prohibited Acts and Practices Regarding Home Loans disclosure not provided within [redacted] days of application. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Could you please kindly review one more time this exception? These two form were provided to the borrower on [redacted] at [redacted] PM PST however the bwr signed the documents until [redacted] but the disclosed at the time of the application date. | 05/06/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 34609122 |  | 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 (2025-05-05): [redacted] received CD dated [redacted]<br>Buyer Comment (2025-05-01): Please see initial and consummation CD attached. Bwr signed the initial CD on [redacted] while the consummation was signed until [redacted] which is between the [redacted] business days. | 05/05/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 34609123 |  | 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] days of application. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within [redacted] days of application. |  |  |  | Reviewer Comment (2025-05-06): Valid association.<br>Buyer Comment (2025-05-02): Could you please kindly review one more time this exception? These two form were provided to the borrower on [redacted] at [redacted] PM PST however the bwr signed the documents until [redacted] but the disclosed at the time of the application date. | 05/06/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 34609125 |  | 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 does not meet the [redacted] credit score requirement for using cash out proceeds for reserves. | 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>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] | Residual income >[redacted]<br>[redacted] years on job.<br>Low housing ratio of[redacted] or less.<br>Low default risk with equity, LTV[redacted]lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-21): Lender exception with compensating factors. |  |  | 07/21/2025 | 2 B |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 261 (redacted) |  | 34609126 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower does not meet the [redacted] credit score requirement for using cash out proceeds for reserves. | 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>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] | Residual income >[redacted]<br>[redacted] years on job.<br>Low housing ratio of[redacted] or less.<br>Low default risk with equity, LTV[redacted]lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-21): Lender exception with compensating factors. |  |  | 07/21/2025 | 2 B |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609129 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted] Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  | Reviewer Comment (2025-05-05): Provided.<br>Buyer Comment (2025-05-01): Please see Tangible Net Benefit Worksheet attached. | 05/05/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609130 |  | 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 (2025-05-13): [redacted] Received Letter of Explanation, Corrected CD and Payment history.<br>Buyer Comment (2025-05-13): Please see PCCD & Pymt history attached. Total cure requested $[redacted]due to increase in settlement charges. PCCD shows two cures one for $[redacted]as principal reduction and second for $[redacted]as lender credit reflected in page # [redacted] of [redacted] under section J. both amounts give the total of $[redacted]. |  | 05/13/2025 |  | 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) | 262 (redacted) |  | 34609131 |  | 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] . Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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 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] years on the job.<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-21): Lender exception with compensating factors.<br>Reviewer Comment (2025-05-05): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-01): Please see an update Non Agency Loan Approval Summary attached adding a new Comp Factor for Residual Income Greater than $[redacted] |  |  | 05/05/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609132 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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>The qualifying DTI on the loan is at least [redacted]less than the guideline maximum.<br>Miscellaneous | [redacted] years on the job.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Residual income is greater than $[redacted]<br>Total monthly savings of[redacted]r more per month. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-25): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-23): Exception Approval approved by [redacted] uploaded. Please note, if reviewer is unable to downgrade and waive exception, please escalate to [redacted] and [redacted].<br>Reviewer Comment (2025-07-21): ....<br>Reviewer Comment (2025-07-21): Lender exception with compensating factors.<br>Reviewer Comment (2025-05-05): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-01): Please see an update Non-Agency Loan Approval Summary attached adding a new Comp Factor for Residual Income Greater than $[redacted] |  |  | 07/25/2025 | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609133 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | The loan file is short the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-07-21): Lender exception with compensating factors, system cleared. | 07/21/2025 |  |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 262 (redacted) |  | 34609134 |  | 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 short the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-07-21): Lender exception with compensating factors, system cleared. | 07/21/2025 |  |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609135 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file is short the required [redacted] months reserves. | 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 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>Miscellaneous | [redacted] years on the job.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Total monthly savings of[redacted]r more per month. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-21): Lender exception with compensating factors. |  |  | 07/21/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609136 |  | 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 file is short the required [redacted] months reserves. | 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 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>Miscellaneous | [redacted] years on the job.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Total monthly savings of[redacted]r more per month. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-21): Lender exception with compensating factors. |  |  | 07/21/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 262 (redacted) |  | 34609137 |  | 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 short the required [redacted] months reserves. |  |  |  | Reviewer Comment (2025-07-21): Lender exception with compensating factors, system cleared. | 07/21/2025 |  |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 263 (redacted) |  | 34609139 |  | 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 (2025-04-25): Sufficient Cure Provided At Closing |  | 04/25/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 263 (redacted) |  | 34609140 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Buyer Comment (2025-05-05): Accept<br>Reviewer Comment (2025-05-02): 4506 provided however, consent not provided, exception remains.<br>Buyer Comment (2025-05-01): form uploaded |  |  | 05/05/2025 | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 263 (redacted) |  | 34609142 |  | 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 (2025-05-02): Delivery provided, exception cleared.<br>Buyer Comment (2025-04-30): Evidence of appraisal delivery for [redacted] uploaded | 05/02/2025 |  |  | 1 B A |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609145 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA disclosure is missing in file. |  |  |  | Reviewer Comment (2025-05-06): FACTA disclosure received and associated. Exception cleared.<br>Buyer Comment (2025-05-05): FACTA uploaded | 05/06/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609147 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Asset requirements not met based on verified and captured available assets. |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves.<br>Reviewer Comment (2025-05-06): Required deposit receipts for $[redacted], $[redacted]and bank statement is required for $[redacted]to verify the earnest money deposit amount. Exception remains.<br>Buyer Comment (2025-05-05): With EMD sourced, the total verified borrower funds goes from $[redacted]to $[redacted], which leaves $[redacted]in reserves or [redacted]months reserves. | 05/07/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609148 |  | 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 was approved with an Originator Loan Designation of [redacted] , but the Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] causing the loan to waterfall through the QM testing resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves.<br>Buyer Comment (2025-05-05): With EMD sourced, the total verified borrower funds goes from $[redacted]to $[redacted], which leaves $[redacted]in reserves or [redacted]months reserves. | 05/07/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 264 (redacted) |  | 34609149 |  | 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 was approved with an Originator Loan Designation of [redacted] , but the Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] causing the loan to waterfall through the QM testing. |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves.<br>Buyer Comment (2025-05-05): With EMD sourced, the total verified borrower funds goes from $[redacted]to $[redacted], which leaves $[redacted]in reserves or [redacted]months reserves. | 05/07/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609150 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Qualifying Assets for Closing of [redacted] is less than Cash From Borrower [redacted] based on verified and captured available assets. |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves.<br>Reviewer Comment (2025-05-06): Required deposit receipts for $[redacted], $[redacted]and bank statement is required for $[redacted]to verify the earnest money deposit amount. Exception remains.<br>Buyer Comment (2025-05-05): With EMD sourced, the total verified borrower funds goes from $[redacted]to $[redacted], which leaves $[redacted]in reserves or [redacted]months reserves. | 05/07/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609152 |  | 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 supporting documentation for sourcing and receipt of EMD. |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves.<br>Buyer Comment (2025-05-05): check for $[redacted]is cleared and can be used as source, deposit of $[redacted]and $[redacted]are shown to be sourced from Chase acct #[redacted]on [redacted] and [redacted] respectively. Additionally, if you look at the addendum to the contract located on page [redacted], the seller notes the amounts of $[redacted]and $[redacted](totaling $[redacted]) having been delivered from the borrower proving receipt. Additionally the final settlement statement shows the total as already credited to the transaction. | 05/07/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609153 |  | 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. | Missing document evidence that principal reduction was applied to the loan. |  |  |  | Reviewer Comment (2025-05-06): [redacted] received copy of principal adjustment.<br>Buyer Comment (2025-05-05): Cure Check Uploaded | 05/06/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | Informational / non-material exception indicating principal reduction reflected on a PCCD twas applied to cure TRID fee tolerance violation(s). A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609154 |  | 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 (2025-04-30): Sufficient Cure Provided within [redacted] Days of Closing |  | 04/30/2025 |  | 1 A |  | FL | Second Home | 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) | 264 (redacted) |  | 34609155 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing source and receipt documentation for EMD. |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves.<br>Reviewer Comment (2025-05-06): Required deposit receipts for $[redacted], $[redacted]and bank statement is required for $[redacted] to verify the earnest money deposit amount. Exception remains.<br>Buyer Comment (2025-05-05): check for $[redacted]is cleared and can be used as source, deposit of $[redacted]and $[redacted]are shown to be sourced from Chase acct #[redacted]on [redacted] and [redacted] respectively. Additionally, if you look at the addendum to the contract located on page [redacted], the seller notes the amounts of $[redacted]and $[redacted](totaling $[redacted]) having been delivered from the borrower proving receipt. Additionally the final settlement statement shows the total as already credited to the transaction. | 05/07/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 264 (redacted) |  | 34609156 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Source of Funds/Deposit is missing for earnest money deposit of [redacted] |  |  |  | Reviewer Comment (2025-05-07): Verified all EMD source of funds and receipt of funds and loan now has sufficient funds to close and reserves. | 05/07/2025 |  |  | 1 A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 265 (redacted) |  | 34609158 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Buyer Comment (2025-05-13): Approve<br>Reviewer Comment (2025-05-12): Provided is evidence of appraisal being requested to be mailed to borrower, however, evidence that it was mailed and received by borrower is missing.<br>Buyer Comment (2025-05-08): Evidence appraisal was requested to be mailed to borrower uploaded and can be seen as [redacted]/ pg. [redacted] and [redacted]to evidence [redacted] and [redacted] requests.<br>Reviewer Comment (2025-05-08): Evidence of appraisal report delivery to borrower missing from trailing documents.<br>Buyer Comment (2025-05-06): Appraisal mailed to borrower, evidence uploaded |  |  | 05/13/2025 | 2 B |  | HI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 265 (redacted) |  | 34609159 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA credit score disclosure not available in file. |  |  |  | Reviewer Comment (2025-05-07): FACTA Disclosure received and updated exception cleared<br>Buyer Comment (2025-05-06): FACTA uploaded | 05/07/2025 |  |  | 1 B A |  | HI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 265 (redacted) |  | 34609160 |  | 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] |  |  |  | Reviewer Comment (2025-05-07): Appraisal receipt of delivery received and updated. Exception cleared<br>Buyer Comment (2025-05-06): Appraisal mailed to borrower, evidence uploaded | 05/07/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 265 (redacted) |  | 34609161 |  | 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 at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-07): Appraisal receipt of delivery received and updated. Exception cleared<br>Buyer Comment (2025-05-06): Appraisal mailed to borrower, evidence uploaded | 05/07/2025 |  |  | 1 C A |  | HI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 265 (redacted) |  | 34609165 |  | 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. |  |  |  |  | Buyer Comment (2025-05-13): Approve<br>Reviewer Comment (2025-05-12): Provided is evidence of appraisal being requested to be mailed to borrower, however, evidence that it was mailed and received by borrower is missing.<br>Buyer Comment (2025-05-08): Evidence appraisal was requested to be mailed to borrower uploaded and can be seen as [redacted] / pg. [redacted] and [redacted] to evidence [redacted] and [redacted] requests. |  |  | 05/13/2025 | 2 B |  | HI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 266 (redacted) |  | 34609168 |  | 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. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-05-12): No documentation in the file to evidence borrower was provided with a copy of valuation ([redacted]) business days prior to consummation<br>Buyer Comment (2025-05-08): Proof of delivery uploaded | 05/12/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 266 (redacted) |  | 34609171 |  | 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 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 (2025-05-12): Cleared<br>Reviewer Comment (2025-05-08): [redacted] received Post CD and LOX. However, the Post CD received is still reflecting lender credit under payoff section therefore we would require lender credit to be mentioned under section J on page [redacted] along with LOX.<br>Buyer Comment (2025-05-08): PC CD and LOX Uploaded<br>Reviewer Comment (2025-05-07): [redacted] received rebuttal. Post CD dated [redacted] is reflecting lender credit under payoff and payments. We would require Post CD to reflect lender credit under section J on page [redacted] of CD along with LOX.<br>Buyer Comment (2025-05-06): Initial LE displays no lender credit, and lender credit does not show until CD disclosed on [redacted], and it shows $[redacted]which does not change through all CDs. | 05/12/2025 |  |  | 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) | 266 (redacted) |  | 34609172 |  | 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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. The Appraisal Fee increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-05-14): Yes, it is confirmed that the refund check is specifically for POC fees that exceeded tolerance, such as the appraisal fee.<br>Reviewer Comment (2025-05-09): [redacted] received Post CD,LOX,copy of refund check and proof of mailing. Kindly confirm whether the copy of refund check and proof of mailing provided to cure the appraisal fee exception or else provide a valid COC for the fee increase or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-05-08): PC CD and LOX Uploaded<br>Reviewer Comment (2025-05-07): [redacted] received Copy of refund check and proof of mailing. However, we would also require LOX and Post CD in order to cure the exception.<br>Buyer Comment (2025-05-06): cure check uploaded |  | 05/15/2025 |  | 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) | 266 (redacted) |  | 34609173 |  | 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. | Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Copy of valuation not provided [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-05-14): accept |  |  | 05/14/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 266 (redacted) |  | 34609174 |  | 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.Copy of valuation not provided [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-05-14): accept |  |  | 05/14/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 267 (redacted) |  | 34609175 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Per final 1003, borrower is Non Permanent residential alien, however VISA, passport or Employment authorization was not provided. |  |  |  | Reviewer Comment (2025-05-13): Cleared.<br>Buyer Comment (2025-05-09): This is an ITIN borrower. ITIN borrowers are not technically residents, permanent or non-permanent, but "non-permanent resident alien" is the category underwriters have been instructed to select in the absence of a more accurate option. ITIN borrowers are subject to different guidelines, which this borrower met. | 05/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 267 (redacted) |  | 34609177 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by [redacted] . There was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-05-13): Cleared.<br>Buyer Comment (2025-05-09): There is no shortfall. Required coverage is the lesser of replacement cost or loan amount. The coverage matches the loan amount.<br>Reviewer Comment (2025-05-09): Please provide replacement cost estimator to cover shortfall, Exception remains.<br>Buyer Comment (2025-05-08): Building coverage is $[redacted], which is equal to the loan amount. This meets guidelines. | 05/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 267 (redacted) |  | 34609178 |  | 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 in the amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower at closing. No valid COC provided. |  |  |  | Reviewer Comment (2025-05-22): [redacted] Received Corrected PCCD, Payment history and LOE.<br>Buyer Comment (2025-05-21): Cure attached to [redacted]. |  | 05/22/2025 |  | 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) | 267 (redacted) |  | 34609179 |  | 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. | Credit report fee in the amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower at closing. No valid COC provided. |  |  |  | Reviewer Comment (2025-05-22): [redacted] Received Corrected PCCD, Payment history and LOE.<br>Buyer Comment (2025-05-21): Completed cure is attached.<br>Reviewer Comment (2025-05-12): [redacted] received invoice and rebuttal, however we require corrected PCCD, LOE and true & certified copy of final settlement statement to verify amount of fee charged at closing.<br>Buyer Comment (2025-05-08): CD appears to be mistaken regarding the actual charge. See the attached invoice. The borrower paid $[redacted]which was returned, and that return was included as a charge despite being a refund. Excluding the $[redacted]from the total charges, the actual charge for the credit report is $[redacted]. (The total paid amount matches this as well, deducting the $[redacted]returned payment, the $[redacted]credit, and the $[redacted]sales tax, the amount paid is $[redacted]matching the total charge.) |  | 05/22/2025 |  | 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) | 268 (redacted) |  | 34609181 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | ___ | Tax and insurance verification is required. |  |  |  | Reviewer Comment (2025-05-15): Loan file contained letter of explanation that the property is free and clear, it is not customary to include taxes and insurance on foreign properties. There was $[redacted] listed under Monthly Insurance, Taxes, Association Dues, etc and it was included in qualification. The lender attested that the $[redacted] listed was an error. Nothing further is required for this, exception is cleared.<br>Reviewer Comment (2025-05-09): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: Room [redacted] Unit [redacted], No [redacted]<br>Reviewer Comment (2025-05-09): Borrower attestation for no expense on REO provided is dated post close.<br>Buyer Comment (2025-05-08): After further review and assistance from our Loan officer and UW the amount listed on the 1003 as expenses from the REO property that there are no expenses from this REO property as our bwr stated on the LOE letter that property is free and clear. Also attached an attestation letter, email from LO, LOE from bwr and update initial and final 1003 stating that no expenses need to be added to the REO property<br>Reviewer Comment (2025-05-08): Exception Remains - Received updated 1003 and LOE from borrower that REO property is in [redacted] however still REO expenses reflecting on 1003 is $[redacted]which need proof for REO expenses to calculate.<br>Buyer Comment (2025-05-07): Could you please kindly review this exception one more time? The REO property located in the country of [redacted] is free and clear no hazard insurance or property taxes are responsible to pay, per credit report, fraud report and LOE from borrower stated that there is no additional REO property. The 1003 has a small mistake showing that property is located in the state of [redacted]. Please see attached LOE from borrower, Credit report, Fraud report and updated 1003 showing corrections on the REO property located in [redacted] | 05/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 268 (redacted) |  | 34609182 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 268 (redacted) |  | 34609183 |  | 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 is required to be delivered to borrower with [redacted] business days of closing Date. |  |  |  | Reviewer Comment (2025-05-07): [redacted] received [redacted] CD, received [redacted] business days prior to consummation.<br>Buyer Comment (2025-05-06): Please see Initial and consummation CD attached. the initial CD was signed and dated by our borrower on [redacted] and the consummation CD was signed and dated until [redacted] which more than [redacted] business days. | 05/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 268 (redacted) |  | 34609185 |  | 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 documentation of receipt of the [redacted] in gifts funds used for closing. |  |  |  | Reviewer Comment (2025-05-15): Asset items cleared. Tax and Insurance not applicable and not needed. Loan file contained letter of explanation that the property is free and clear, it is not customary to include taxes and insurance on foreign properties. There was $[redacted] listed under Monthly Insurance, Taxes, Association Dues, etc and it was included in qualification. The lender attested that the $[redacted] listed was an error. Nothing further is required for this, exception is cleared.<br>Reviewer Comment (2025-05-09): Borrower attestation for no expenses on REO provided is dated post close.<br>Buyer Comment (2025-05-07): Please see attached documents showing gift letters and proof of receipt on the borrower's bank statement.<br>Reviewer Comment (2025-05-07): Deposit receipts received and associated for gift funds, however still required Tax certificate and Insurance verification for REO property. Exception remains.<br>Buyer Comment (2025-05-06): Please see attached documents showing gift letters and proof of receipt on the borrower's bank statement. | 05/15/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 268 (redacted) |  | 34609186 |  | 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 documentation of receipt of the [redacted] in gifts funds used for closing. |  |  |  | Reviewer Comment (2025-05-07): Deposit receipts received and associated for gift funds. Exception cleared.<br>Buyer Comment (2025-05-06): Please see attached documents showing gift letters and proof of receipt on the borrower's bank statement. | 05/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 268 (redacted) |  | 34609187 |  | 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 documentation of receipt of the [redacted] in gifts funds used for closing. |  |  |  | Reviewer Comment (2025-05-07): Deposit receipts received and associated for gift funds. Exception cleared.<br>Buyer Comment (2025-05-06): Please see attached documents showing gift letters and proof of receipt on the borrower's bank statement. | 05/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 268 (redacted) |  | 34609188 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The loan file is missing documentation of receipt of the [redacted] in gifts funds used for closing. |  |  |  | Reviewer Comment (2025-05-07): Deposit receipts received and associated for gift funds. Exception cleared.<br>Buyer Comment (2025-05-06): Please see attached documents showing gift letters and proof of receipt on the borrower's bank statement. | 05/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 268 (redacted) |  | 34609189 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Tax certificate and Insurance verification are mising for REO property[ redacted] |  |  |  | Reviewer Comment (2025-05-15): Loan file contained letter of explanation that the property is free and clear, it is not customary to include taxes and insurance on foreign properties. There was $[redacted] listed under Monthly Insurance, Taxes, Association Dues, etc and it was included in qualification. The lender attested that the $[redacted] listed was an error. Nothing further is required for this, exception is cleared.<br>Reviewer Comment (2025-05-09): Borrower attestation for no expenses on REO provided is dated post close.<br>Buyer Comment (2025-05-08): After further review and assistance from our Loan officer and UW the amount listed on the 1003 as expenses from the REO property that there are no expenses from this REO property as our bwr stated on the LOE letter that property is free and clear. Also attached an attestation letter, email from LO, LOE from bwr and update initial and final 1003 stating that no expenses need to be added to the REO property<br>Reviewer Comment (2025-05-08): Exception Remains - Received updated 1003 and LOE from borrower that REO property is in [redacted] however still REO expenses reflecting on 1003 is $[redacted] which need proof for REO expenses to calculate.<br>Buyer Comment (2025-05-07): Could you please kindly review this exception one more time? The REO property located in the country of [redacted] is free and clear no hazard insurance or property taxes are responsible to pay, per credit report, fraud report and LOE from borrower stated that there is no additional REO property. The 1003 has a small mistake showing that property is located in the state of [redacted]. Please see attached LOE from borrower, Credit report, Fraud report and updated 1003 showing corrections on the REO property located in [redacted] | 05/15/2025 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 269 (redacted) |  | 34609193 |  | 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 (2025-05-06): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-05-05): Please see PCCD plus proof of cure for the amount of $[redacted] attached, these documents were included in the original binder see page # [redacted] to [redacted] |  | 05/06/2025 |  | 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) | 269 (redacted) |  | 34609194 |  | 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/06/2025 |  | 1 A |  | AL | 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) | 270 (redacted) |  | 34609198 |  | 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 Fee was disclosed on initial Loan estimate as [redacted] but disclosed on final Closing Disclosure [redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-05-06): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-05-05): Please see PCCD and pymt history attached showing a cure for $[redacted] due to exceeding in Credit report fee. |  | 05/06/2025 |  | 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) | 270 (redacted) |  | 34609199 |  | 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] business days from transaction date of [redacted] . | Subject loan transaction disbursed on [redacted] , prior to [redacted] days from transaction date of [redacted] |  |  |  | Reviewer Comment (2025-05-20): Cure documentation received.<br>Buyer Comment (2025-05-16): Please see attached documents that includes [redacted] signed and dated by both borrowers, Letter of explanation and [redacted] levels showing proof of delivery to our borrower.<br>Reviewer Comment (2025-05-13): CD dated [redacted] is not signed by borrower. Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form is required to cure the condition.<br>Buyer Comment (2025-05-09): Please see Notice of Right to Cancel and Consummation CD attached showing that documents were signed on [redacted] plus [redacted] days [redacted] |  | 05/20/2025 |  | 2 C B |  | 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) | 270 (redacted) |  | 34609200 |  | 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). | Subject loan transaction disbursed on [redacted] , prior to [redacted] days from transaction date of [redacted] |  |  |  | Reviewer Comment (2025-05-20): Cure documentation received.<br>Buyer Comment (2025-05-16): Please see attached documents that includes [redacted] signed and dated by both borrowers, Letter of explanation and [redacted] levels showing proof of delivery to our borrower.<br>Reviewer Comment (2025-05-13): CD dated [redacted] is not signed by borrower. Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form is required to cure the condition.<br>Buyer Comment (2025-05-09): Please see Notice of Right to Cancel and Consummation CD attached showing that documents were signed on [redacted] plus [redacted] days [redacted] |  | 05/20/2025 |  | 2 C B |  | 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) | 270 (redacted) |  | 34609201 |  | 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/06/2025 |  | 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) | 271 (redacted) |  | 34609204 |  | 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. The Credit Report Fee increased to [redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-06): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-05): Please see PCCD and Pymt history attached showing a cure for the amount of $[redacted] due to exceeding credit report fee. these docs were included in the original binder, please see pages # [redacted] to [redacted] |  | 05/06/2025 |  | 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) | 271 (redacted) |  | 34609205 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The loan file contains a private VOR and the loan file does not contain cancelled checks or bank statements required by guidelines. |  |  |  | Reviewer Comment (2025-05-06): Cancelled checks are not required as Verification of rent is sufficient for housing history. Exception cleared.<br>Buyer Comment (2025-05-05): Please see (VOR) verification of rent attached. the [redacted] months of cxl checks is only required when the borrower is making monthly rent to an interest party. per purchase agreement the bwr is purchasing this property from a private party and making rental pymts to different party that does not have nothing to do with seller or either a relationship. | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 271 (redacted) |  | 34609206 |  | 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 Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-06): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/06/2025 |  | 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) | 272 (redacted) |  | 34609208 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2025-05-08): Exception Cleared - Received FACTA disclosure associated the same and data updated as per document.<br>Buyer Comment (2025-05-07): signed disc<br>Reviewer Comment (2025-05-06): FACTA Disclosure document is not received in file. Exception Remains.<br>Buyer Comment (2025-05-05): disclosure tracking supporting FACTA disc delivered | 05/08/2025 |  |  | 1 B A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 272 (redacted) |  | 34609210 |  | 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] with a difference of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-15): [redacted] Received Corrected PCCD, LOE and Payment History.<br>Buyer Comment (2025-05-14): SSPL at time of application<br>Reviewer Comment (2025-05-08): [redacted] Received SSPL dated [redacted] is after [redacted] days from the application date [redacted]. Also, recording fee increased without valid COC. In order to clear this exception, kindly provide SSPL dated within [redacted] days of the application date [redacted] and provide Valid COC for increased recording fee. Fail to provide SSPL dated within [redacted] days of the application and Valid COC for recording fee will result in Cure of $[redacted].<br>Buyer Comment (2025-05-07): settlement list provider uploaded, borrower shopped fees |  | 05/15/2025 |  | 2 C B |  | MI | 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) | 272 (redacted) |  | 34609211 |  | 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. | Credit report Fee was disclosed on initial Loan estimate as [redacted] but disclosed on final Closing Disclosure [redacted] . File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-05-09): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-08): principal reduction and pccd with cover letter |  | 05/09/2025 |  | 2 C B |  | MI | 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) | 272 (redacted) |  | 34609212 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | List of service providers is missing |  |  |  | Reviewer Comment (2025-05-15): [redacted] Received SSPL.<br>Reviewer Comment (2025-05-08): [redacted] Received SSPL dated [redacted] is after [redacted] days from the application date [redacted]. Provide SSPL dated within [redacted] days of the application date [redacted]. | 05/15/2025 |  |  | 1 A |  | MI | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 272 (redacted) |  | 34609213 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] | 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 (2025-05-15): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/15/2025 |  | 1 A |  | MI | 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) | 272 (redacted) |  | 34609214 |  | 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 Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-05-15): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/15/2025 |  | 1 A |  | MI | 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) | 273 (redacted) |  | 34609218 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. |  |  |  |  | Reviewer Comment (2025-05-06): Documents received, system cleared.<br>Buyer Comment (2025-05-05): ARM disclosure delivery | 05/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Limited Cash-out GSE | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 273 (redacted) |  | 34609219 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. | [redacted], not provided to the borrower within [redacted] days of application. |  |  |  | Reviewer Comment (2025-05-06): Documents received, system cleared.<br>Buyer Comment (2025-05-05): CHARM booklet delivered to borrower | 05/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Limited Cash-out GSE | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 274 (redacted) |  | 34609221 |  | 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] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . No valid change in circumstance for borrower provided. |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 274 (redacted) |  | 34609222 |  | 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 increased from [redacted] to $, an increase of [redacted] , without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-04-30): Sufficient Cure Provided At Closing |  | 04/30/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 275 (redacted) |  | 34609226 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted] : Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing. | Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing. |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-06): Please see Early final itemized disclosure of actual fees attached. | 05/08/2025 |  |  | 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) | 275 (redacted) |  | 34609227 |  | 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 disclosed an Amount Financed in the amount of [redacted] while the calculated Amount Financed is [redacted] , there is a variance of [redacted] . The disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received lender attestation for services provided on [redacted] fee which are primarily [redacted]<br>Buyer Comment (2025-05-14): Revised attestation uploaded.<br>Reviewer Comment (2025-05-09): [redacted] fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [redacted]'s fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a [redacted] excludable service, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-05-08): Please see attached email from our legal and compliance dept in regards a discrepancy in the financial charges.<br> The [redacted] reviews the appraisal as part of their services and appraisal review fee is called out in Reg Z as not a finance charge. To the borrower, the total appraisal fee has long been one combined fee for the ordering, performing, preparing, review and delivery of the valuation and we see no reason to break this out on the Closing Disclosure. As the Lender, we pay the [redacted] who then pays the appraiser who is subcontracted to do the work, we do not pay the appraiser directly. Under appraisal independence rules the Lender is required to have separation from the individual appraiser and the [redacted] facilitates the process for that exact purpose.<br> The only reason we ever break out the [redacted] fee is for [redacted] loans where the appraisal fee is included in the [redacted]% fees limit unless you can break the [redacted] fee out and then only the [redacted] is included in the [redacted]%. This has nothing to do with what is or is not a finance charge and it is not presented to the borrower as [redacted] separate fees it is done on the back end in the system for the sole purpose of measuring the [redacted]% permitted fees total. | 05/15/2025 |  |  | 1 C A |  | TX | 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) | 275 (redacted) |  | 34609228 |  | 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 Charges are [redacted] . Due Diligence Finance Charges are [redacted] . There is a variance of [redacted] |  |  |  | Reviewer Comment (2025-05-15): [redacted] received lender attestation for services provided on [redacted] fee which are primarily [redacted]<br>Buyer Comment (2025-05-14): Revised attestation uploaded.<br>Reviewer Comment (2025-05-09): [redacted] fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [redacted]'s fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a [redacted] excludable service, the entire fee may be treated as a finance charge.<br>Buyer Comment (2025-05-08): Please see attached email from our legal and compliance dept in regards a discrepancy in the financial charges.<br> The [redacted] reviews the appraisal as part of their services and appraisal review fee is called out in Reg Z as not a finance charge. To the borrower, the total appraisal fee has long been one combined fee for the ordering, performing, preparing, review and delivery of the valuation and we see no reason to break this out on the Closing Disclosure. As the Lender, we pay the [redacted] who then pays the appraiser who is subcontracted to do the work, we do not pay the appraiser directly. Under appraisal independence rules the Lender is required to have separation from the individual appraiser and the [redacted] facilitates the process for that exact purpose.<br> The only reason we ever break out the [redacted] fee is for [redacted] loans where the appraisal fee is included in the [redacted]% fees limit unless you can break the [redacted] fee out and then only the [redacted] is included in the [redacted]%. This has nothing to do with what is or is not a finance charge and it is not presented to the borrower as [redacted] separate fees it is done on the back end in the system for the sole purpose of measuring the [redacted]% permitted fees total. | 05/15/2025 |  |  | 1 C A |  | TX | 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) | 275 (redacted) |  | 34609230 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least [redacted] business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-05-07): [redacted] received proof of receipt.<br>Buyer Comment (2025-05-06): Please see Final LE, Initial CD and Consummation CD attached. Final LE was date and signed on [redacted]; initial CD on [redacted] and consummation CD was signed and dated until [redacted] between [redacted] days on initial LE. | 05/07/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 275 (redacted) |  | 34609231 |  | 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 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>Miscellaneous | Residual income is greater than[redacted]<br>Substantial cash reserves.<br>Total monthly payment savings of[redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors. |  |  | 05/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 275 (redacted) |  | 34609232 |  | 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 ___. | Calculated LTV of [redacted] exceeds guideline LTV 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 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>Substantial cash reserves.<br>Total monthly payment savings of[redacted]or more per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors. |  |  | 05/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 275 (redacted) |  | 34609234 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [redacted] Constitution Section[redacted] : Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing without a waiver. | Final itemized disclosure of fees provided is not dated at least [redacted] business day prior to closing. |  |  |  | Reviewer Comment (2025-05-13): Provided.<br>Buyer Comment (2025-05-12): Please CD signed and dated by borrower showing CD with fees received [redacted] business day prior to consummation.<br>Reviewer Comment (2025-05-12): Final itemized disclosure provided is dated [redacted] was not provided to the borrower at least one business day prior to closing.<br>Buyer Comment (2025-05-08): Please see Early final itemized disclosure of actual fees attached. | 05/13/2025 |  |  | 1 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) | 276 (redacted) |  | 34609235 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The bank statements for [redacted] were not provided. |  |  |  | Reviewer Comment (2025-05-08): Bank statements for[redacted] received and updated .Exception cleared<br>Buyer Comment (2025-05-07): [redacted], [redacted], [redacted], [redacted] bank statements uploaded<br>Buyer Comment (2025-05-07): [redacted] bank statements uploaded | 05/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 34609240 |  | 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. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-05-15): [redacted] Received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-14): LOE included<br>Reviewer Comment (2025-05-14): [redacted] received PCCD and payment history, however we also require LOE which accompanied the PCCD to finalize.<br>Buyer Comment (2025-05-13): PC CD and payment history uploaded |  | 05/15/2025 |  | 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) | 276 (redacted) |  | 34609241 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The Bank Statements for [redacted] were not provided. |  |  |  | Reviewer Comment (2025-05-08): Bank statements for [redacted] received and updated .Exception cleared<br>Buyer Comment (2025-05-07): [redacted] bank statements uploaded | 05/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 34609242 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is marked rural which is ineligible per 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 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 | [redacted]years on job.<br>Residual income > [redacted].<br>Low default risk with substantial equity, LTV [redacted] lower than matrix.<br>Qualifying ratios of [redacted] or less.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-05): Lender exception with compensating factors. |  |  | 05/05/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 34609243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property is > [redacted] which exceeds 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 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 | [redacted]years on job.<br>Residual income > [redacted].<br>Low default risk with substantial equity, LTV [redacted] lower than matrix.<br>Qualifying ratios of [redacted] or less.<br>Prior homeownership experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-05): Lender exception with compensating factors. |  |  | 05/05/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 34609244 |  | 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 the bank statements for [redacted] were not provided. |  |  |  | Reviewer Comment (2025-05-08): Bank statements for [redacted] received and updated .Exception cleared<br>Buyer Comment (2025-05-07): [redacted], [redacted], [redacted], [redacted] bank statements uploaded | 05/08/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 276 (redacted) |  | 34609245 |  | 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 bank statements for [redacted] were not provided. |  |  |  | Reviewer Comment (2025-05-08): Bank statements for [redacted] received and updated .Exception cleared<br>Buyer Comment (2025-05-07): [redacted], [redacted], [redacted], [redacted] bank statements uploaded | 05/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 34609246 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The bank statements for [redacted] were not provided. |  |  |  | Reviewer Comment (2025-05-08): Bank statements for [redacted] received and updated .Exception cleared<br>Buyer Comment (2025-05-07): [redacted], [redacted], [redacted], [redacted] bank statements uploaded | 05/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 276 (redacted) |  | 34609247 |  | 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 bank statements for [redacted] were not provided. |  |  |  | Reviewer Comment (2025-05-08): Bank statements for [redacted] received and updated .Exception cleared<br>Buyer Comment (2025-05-07): [redacted], [redacted], [redacted], [redacted] bank statements uploaded | 05/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 277 (redacted) |  | 34609252 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 277 (redacted) |  | 34609253 |  | 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 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 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 refinance has decreased the borrower's monthly debt payments by [redacted] or more. | [redacted] years on job.<br>Residual income is greater than [redacted].<br>Substantial cash reserves.<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-02): Client elects to waive with compensating factors. |  |  | 05/02/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 278 (redacted) |  | 34609255 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Required 4506-C for year [redacted] for borrower [redacted] with signed and dated on note date. |  |  |  | Reviewer Comment (2025-05-07): Exception cleared. Received document and updated correctly.<br>Buyer Comment (2025-05-06): Document uploaded | 05/07/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 278 (redacted) |  | 34609257 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-06): appraisal delivery uploaded | 05/08/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 278 (redacted) |  | 34609258 |  | 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] |  |  |  | Reviewer Comment (2025-05-08): Cleared.<br>Buyer Comment (2025-05-06): appraisal delivery uploaded | 05/08/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 278 (redacted) |  | 34609259 |  | 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 (2025-05-08): Cleared.<br>Buyer Comment (2025-05-06): appraisal delivery uploaded | 05/08/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 278 (redacted) |  | 34609260 |  | 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] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-01): Sufficient Cure Provided At Closing |  | 05/01/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 278 (redacted) |  | 34609262 |  | 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 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] | Residual income is greater than [redacted]<br>Borrower's own funds used for Down payment & closing(No gifts or DPA). | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-30): ...<br>Reviewer Comment (2025-05-02): Client elects to waive with compensating factors. |  |  | 09/30/2025 | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 280 (redacted) |  | 34609269 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested: <br> Allow [redacted] Non-permanent Resident (Guidelines do not allow for [redacted] Visa 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>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<br>Miscellaneous | Residual income is greater than [redacted].<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent Credit Management with FICO [redacted]<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-09): Client elects to waive with compensating factors. |  |  | 05/09/2025 | 2 B |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 280 (redacted) |  | 34609270 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested: <br> Excessive NSF's (Guidelines allow for [redacted] NSF/Overdrafts in the past [redacted] years, 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>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<br>Miscellaneous | Residual income is greater than [redacted].<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent Credit Management with FICO [redacted]<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-09): Client elects to waive with compensating factors. |  |  | 05/09/2025 | 2 B |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609274 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-05-14): Received final 1003 signed and dated, Exception cleared.<br>Buyer Comment (2025-05-13): final application | 05/14/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609276 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Initial 4506 C is required to be signed by the borrower on the application date as per the guideline requirement. Missing VVOE within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-05-15): 4506-C document received and associated for Co-borrower. Exception Cleared.<br>Buyer Comment (2025-05-14): cb signed 4506c<br>Reviewer Comment (2025-05-14): Please provide 4506-C for co-borrower, Exception remains.<br>Buyer Comment (2025-05-13): vvoe dated w/in [redacted] days of note | 05/15/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609277 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-05-15): Fraud Report is received and associated. Exception Cleared.<br>Buyer Comment (2025-05-14): fraud guard | 05/15/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609279 |  | 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 VVOE for both borrowers, 4506-C for co-borrower and DTI significantly greater than [redacted] |  |  |  | Reviewer Comment (2025-07-16): VVOE, 4506-C has been provided and lender exception provided for DTI.<br>Reviewer Comment (2025-07-16): ...<br>Reviewer Comment (2025-05-15): 4506-C document received and associated for Co-borrower. Exception Cleared.<br>Buyer Comment (2025-05-14): VVOE for both borrowers<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios uploaded | 07/16/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609280 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] - No evidence of required counseling disclosure language per [redacted] . |  |  |  |  | Reviewer Comment (2025-05-15): Provided.<br>Buyer Comment (2025-05-14): receipt of counseling agencies disclosure | 05/15/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609281 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2025-05-15): Provided.<br>Buyer Comment (2025-05-15): borrower receipt of disc<br>Buyer Comment (2025-05-15): MD HPML Disc | 05/15/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609282 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of is equal to or greater than the threshold of APOR [redacted] . Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-05-15): Provided.<br>Buyer Comment (2025-05-15): borrower receipt of disc<br>Buyer Comment (2025-05-15): MD HPML Disc<br>Buyer Comment (2025-05-14): vvoe for both borrowers<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios, see note [redacted] for resubmission of ratios after they increased from original approval of [redacted]% DTI<br>Buyer Comment (2025-05-14): cb signed 4506c | 05/15/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609283 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR fail due to missing VVOE for both borrowers, 4506-C for co-borrower and DTI significantly greater than [redacted] |  |  |  | Reviewer Comment (2025-07-16): Loan is Non-QM.<br>Reviewer Comment (2025-07-16): ...<br>Reviewer Comment (2025-05-14): Received Work number within [redacted] days from closing, Exception cleared. | 07/16/2025 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 281 (redacted) |  | 34609284 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Verbal verification of employment is required within [redacted] business days from the note date for both borrowers. [redacted] VVOE's in file do not state employer name and references The Work Number which are dated [redacted] |  |  |  | Reviewer Comment (2025-05-14): Received Work number within [redacted] days from closing, Exception cleared.<br>Buyer Comment (2025-05-13): w2 and vvoe including employer name uploaded | 05/14/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609285 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR fail due to missing VVOE for both borrowers, 4506-C for co-borrower and DTI significantly greater than [redacted] |  |  |  | Reviewer Comment (2025-07-16): Loan is Non-QM.<br>Reviewer Comment (2025-07-16): cleared in error.<br>Reviewer Comment (2025-05-14): Received Work number within [redacted] days from closing, Exception cleared. | 07/16/2025 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609286 |  | 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. | ATR fail due to missing VVOE for both borrowers, 4506-C for co-borrower and DTI significantly greater than [redacted] |  |  |  | Reviewer Comment (2025-07-16): Loan is Non-QM.<br>Reviewer Comment (2025-05-22): Verified reserves of [redacted]months not significant enough to offset the exception.<br>Buyer Comment (2025-05-20): exception approval of ratios with reserves cf included and pccd cover letter and check supporting refund to borrower and total funds to close and reserves after closing of [redacted] months<br>Reviewer Comment (2025-05-19): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-05-14): cb signed 4506c form<br>Buyer Comment (2025-05-14): cb signed 4506c<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios<br>Buyer Comment (2025-05-14): VVOE for both borrowers | 07/16/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609287 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | ATR fail due to missing VVOE for both borrowers, 4506-C for co-borrower and DTI significantly greater than [redacted] |  |  |  | Reviewer Comment (2025-05-15): 4506-C document received and associated for Co-borrower. Exception Cleared.<br>Buyer Comment (2025-05-14): cb signed 4506c<br>Buyer Comment (2025-05-14): vvoe for both borrowers uploaded<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios | 05/15/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609288 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Verbal verification of employment is required within [redacted] business days from the note date. |  |  |  | Reviewer Comment (2025-05-14): Received Work number within [redacted] days from closing, Exception cleared.<br>Buyer Comment (2025-05-13): VVOE for both borrowers dated w/in [redacted] days of Note | 05/14/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609289 |  | 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 ___. | DTI is calculated as per borrowers income & expenses. (Lender exception included in approval for DTI) | 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<br>The Combined Loan to Value (CLTV) 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. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Lender exception with compensating factors.<br>Reviewer Comment (2025-05-22): Provided verified reserves of [redacted] months not significant enough to offset the exception.<br>Buyer Comment (2025-05-20): exception approval of ratios with reserves cf included and pccd cover letter and check supporting refund to borrower and total funds to close and reserves after closing of [redacted] months<br>Reviewer Comment (2025-05-19): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios, see note [redacted] for resubmission of ratios after they increased from original approval of [redacted]% DTI<br>Buyer Comment (2025-05-14): [redacted] approved increase in ratios, see note [redacted]<br>Reviewer Comment (2025-05-09): Lender exception provided stating current DTI is [redacted]% but verified DTI is [redacted]% which significantly exceed DTI of [redacted]% and need s to be approved by our upper management. Provide corrected lender exception approval with correct DTI and all compensating factors used in decision making process for exception. |  |  | 07/16/2025 | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609290 |  | 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 [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<br>The Combined Loan to Value (CLTV) 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. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-16): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-16): Regraded to EV2-B with senior approval due to comp factors.<br>Reviewer Comment (2025-05-22): Provided verified reserves of [redacted] months not significant enough to offset the exception.<br>Buyer Comment (2025-05-20): exception approval of ratios with reserves cf included and pccd cover letter and check supporting refund to borrower and total funds to close and reserves after closing of [redacted] months<br>Reviewer Comment (2025-05-19): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios, see note [redacted] for resubmission of ratios after they increased from original approval of [redacted]% DTI<br>Buyer Comment (2025-05-14): [redacted] approved increased ratios, see note for resubmission and approval [redacted]<br>Reviewer Comment (2025-05-09): Lender exception provided stating current DTI is [redacted]% but verified DTI is [redacted]% which significantly exceed DTI of [redacted]% and need s to be approved by our upper management. Provide corrected lender exception approval with correct DTI and all compensating factors used in decision making process for exception. |  |  | 07/16/2025 | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609292 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Missing VVOE [redacted] business days prior to closing for both borrowers |  |  |  | Reviewer Comment (2025-05-14): Received Work number within [redacted] days from closing, Exception cleared.<br>Buyer Comment (2025-05-13): VVOE for both borrowers dated w/in [redacted] days of note | 05/14/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 281 (redacted) |  | 34609293 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | ATR Fail due to Missing [redacted]-C for co-borrower and DTI significantly greater than [redacted] |  |  |  | Reviewer Comment (2025-07-16): Loan is Non-QM.<br>Reviewer Comment (2025-05-22): Provided verified reserves of [redacted] months not significant enough to offset the exception.<br>Buyer Comment (2025-05-20): exception approval of ratios with reserves cf included and pccd cover letter and check supporting refund to borrower and total funds to close and reserves after closing of [redacted] months<br>Reviewer Comment (2025-05-19): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-05-14): cb signed 4506c form<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios, see note [redacted] for resubmission of ratios after they increased from original approval of [redacted]% DTI<br>Buyer Comment (2025-05-14): [redacted] approval of increased ratios, see note [redacted] with resubmission and approval of increased ratios | 07/16/2025 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 281 (redacted) |  | 34609295 |  | 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. |  |  |  |  | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |  | 05/22/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 281 (redacted) |  | 34609296 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approved to set aside [redacted] single bureau credit report and proceeds with original tri-merge credit report from [redacted] . Single bureau credit report in file, guidelines require at least two bureaus to use a credit report for underwriting,there was no material degradation in the credit profile of the one bureau, and within the same FICO bracket on the product matrix. | 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<br>The Combined Loan to Value (CLTV) 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. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-29): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-22): Updated PC exception approval for FICO score |  |  | 08/29/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 282 (redacted) |  | 34609298 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | File is missing secondary valuation required for securitization. Most recent FNMA and FHLMC UCDP reports dated [redacted] risk scores. |  |  |  | Reviewer Comment (2025-05-27): Cleared.<br>Buyer Comment (2025-05-22): Desktop Analysis attached. | 05/27/2025 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Home Improvement | D A C | Non QM | Non QM | No |
| (redacted) | 282 (redacted) |  | 34609301 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted] : Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing. | Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] business day prior to closing. |  |  |  | Reviewer Comment (2025-05-20): Cleared,<br>Buyer Comment (2025-05-16): Attached. | 05/20/2025 |  |  | 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. D A C | Non QM | Non QM | Yes |
| (redacted) | 282 (redacted) |  | 34609303 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Other Rider - Renewal and Extension Exhibit document is missing. |  |  |  | Reviewer Comment (2025-06-13): Cleared.<br>Buyer Comment (2025-06-11): Corrective document attached. Per escrow officer, this is sufficient to resolve the error per state rules.<br>Reviewer Comment (2025-06-06): Any change to a legal document, such as the Security Instrument, must be acknowledged by the borrower. We will need a re-executed, corrected Security Instrument, that is notarized for the vesting and signatures, and evidence of intent to record from the settlement agent of the new document.<br>Buyer Comment (2025-06-04): See attached, this rider selection was struck and the borrower initialed the change.<br>Reviewer Comment (2025-05-20): Renewal and Extension Exhibi Rider or corrected Security Instrument is required.<br>Buyer Comment (2025-05-16): Attached. | 06/13/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | D A C | Non QM | Non QM | No |
| (redacted) | 283 (redacted) |  | 34609305 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br>Guidelines permit [redacted] month period. Borrower has [redacted] . Letter of explanation in 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 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 | [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]<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-09): Client elects to waive with compensating factors. |  |  | 05/09/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 283 (redacted) |  | 34609309 |  | 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] 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 (2025-05-20): Provided.<br>Buyer Comment (2025-05-16): Attached, delivered same day. | 05/20/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 285 (redacted) |  | 34609315 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] | 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 (2025-05-12): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/12/2025 |  | 1 A |  | NY | 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) A | Non QM | Non QM | Yes |
| (redacted) | 285 (redacted) |  | 34609316 |  | 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 (2025-05-12): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/12/2025 |  | 1 A |  | NY | 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) A | Non QM | Non QM | Yes |
| (redacted) | 286 (redacted) |  | 34609322 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Permanent Resident with [redacted] status. (Guidelines do not allow for Non - Permanent Resident with C08 status) | 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 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 | [redacted] years on job.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Excellent Credit Management with FICO [redacted]<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-12): Client elects to waive with compensating factors. |  |  | 05/12/2025 | 2 B |  | NJ | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 287 (redacted) |  | 34609325 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-23): Proof of Appraisal delivery report document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-22): Evidence of appraisal delivery to borrower uploaded<br>Reviewer Comment (2025-05-15): Borrower is required to select either to waive the right to review or receive the appraisal [redacted] or more business days prior to closing.<br>Buyer Comment (2025-05-14): document showing the borrower acknowledges receipt of all appraisals [redacted] business days prior to closing, OR they waive the right to receive the appraisal [redacted] days before closing, both instances indicate the obligation was met. The borrower is not required to make a selection between the [redacted] instances. | 05/23/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 287 (redacted) |  | 34609326 |  | 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] |  |  |  | Reviewer Comment (2025-05-23): Proof of Appraisal delivery report document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-22): Evidence of appraisal delivery to borrower uploaded | 05/23/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 287 (redacted) |  | 34609327 |  | 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 at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-23): Proof of Appraisal delivery report document received, and information updated. Exception Cleared.<br>Buyer Comment (2025-05-22): Evidence of appraisal delivery to borrower uploaded<br>Reviewer Comment (2025-05-15): Exception remains. Missing proof of receipt of Appraisal Dtd. [redacted], by borrower.<br>Buyer Comment (2025-05-14): document showing the borrower acknowledges receipt of all appraisals [redacted] business days prior to closing, OR they waive the right to receive the appraisal [redacted] days before closing, both instances indicate the obligation was met. The borrower is not required to make a selection between the [redacted] instances. | 05/23/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 287 (redacted) |  | 34609330 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo(guidelines require full condo Approval for all condos). | 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]<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>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. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-12): Client elects to waive with compensating factors. |  |  | 05/12/2025 | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 34609336 |  | 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 (2025-06-06): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-06-05): pccd with cover letter and principal reduction |  | 06/06/2025 |  | 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) | 288 (redacted) |  | 34609337 |  | 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 (2025-05-16): [redacted] Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-05-15): pr with pccd and cover letter |  | 05/16/2025 |  | 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) | 288 (redacted) |  | 34609338 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | The business used for income for the subject transaction has not been in existence for [redacted] years as required by guideline. |  |  |  | Reviewer Comment (2025-08-15): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-08-15): Regraded to EV2-B based on senior manager approval for not meeting [redacted] year existence with comp factors. | 08/15/2025 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 288 (redacted) |  | 34609339 |  | 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 business used for income for the subject transaction has not been in existence for [redacted] years as required by guideline. |  |  |  | Reviewer Comment (2025-08-15): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-08-15): Regraded to EV2-B based on senior manager approval for not meeting [redacted] year existence with comp factors. | 08/15/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 34609340 |  | 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 business used for income for the subject transaction has not been in existence for [redacted] years as required by guideline. |  |  |  | Reviewer Comment (2025-08-15): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-08-15): Regraded to EV2-B based on senior manager approval for not meeting [redacted] year existence with comp factors. | 08/15/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 288 (redacted) |  | 34609341 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The business used for income for the subject transaction has not been in existence for [redacted] years as required by guideline. | 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]<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-15): Lender exception with compensating factors. |  |  | 08/15/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 290 (redacted) |  | 34609347 |  | 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 (2025-05-16): [redacted] Received Corrected PCCD, loe and Payment history.<br>Buyer Comment (2025-05-15): PR and pccd with cover letter |  | 05/16/2025 |  | 2 C B |  | 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) | 290 (redacted) |  | 34609348 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | 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 (2025-05-16): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/16/2025 |  | 1 A |  | MI | 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) | 291 (redacted) |  | 34609349 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural properties not permitted per 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>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 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>Qualifying ratios of [redacted] or less.<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-12): Client elects to waive with compensating factors. |  |  | 05/12/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 34609351 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Account Statement is missing for account [redacted] |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared.<br>Buyer Comment (2025-05-20): Attached | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 34609354 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. |  |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared.<br>Buyer Comment (2025-05-20): Attached to finding [redacted] | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 34609355 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Fail. | Account Statement is missing for account [redacted] |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared.<br>Buyer Comment (2025-05-20): Attached to finding [redacted] | 05/21/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 291 (redacted) |  | 34609357 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Account Statement is missing for account [redacted] |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared. | 05/21/2025 |  |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 34609358 |  | 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. | Account Statement is missing for account [redacted] , due to which this exception fired. |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared.<br>Buyer Comment (2025-05-20): Attached to finding [redacted] | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 34609359 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Account Statement is missing for account [redacted] |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared.<br>Buyer Comment (2025-05-20): Attached to finding [redacted] | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 291 (redacted) |  | 34609360 |  | 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.) | Account Statement is missing for account [redacted] |  |  |  | Reviewer Comment (2025-05-21): Bank statement provided for [redacted] exception cleared.<br>Buyer Comment (2025-05-20): Attached to finding [redacted] | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 292 (redacted) |  | 34609363 |  | 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. H-9 Form must be used as lender is the same as originating lender. |  |  |  | Buyer Comment (2025-05-14): Agreed to waived |  |  | 05/14/2025 | 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) | 292 (redacted) |  | 34609364 |  | 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 |  |  |  | Buyer Comment (2025-05-16): Accepted<br>Reviewer Comment (2025-05-15): Evidence of delivery to borrower on [redacted] which is not [redacted] business days prior to closing date of [redacted]. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-05-14): The proof of appraisal been delivered to bwr is dated on [redacted] and the closing was completed until [redacted] which is before [redacted] business days. Please see attached documents. |  |  | 05/16/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 293 (redacted) |  | 34609368 |  | 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 (2025-05-19): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-05-16): COC document uploaded<br>Reviewer Comment (2025-05-15): [redacted] received rebuttal, however we require valid COC document for the same. Please provide valid COC document with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-14): From the initial loan estimate to the initial CD, based on the received appraisal, there was a change in the property value which triggers a valid COC, resulting in the tolerance re-set for the lender credit. | 05/19/2025 |  |  | 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) | 294 (redacted) |  | 34609369 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Valuation effective and report date is more than [redacted] days prior to Note date. Required to be dated within [redacted] days from note date. |  |  |  | Reviewer Comment (2025-05-23): Cleared.<br>Buyer Comment (2025-05-21): [redacted] is a 1004D Re-certification of Value signed [redacted] which extends the appraisal to [redacted] | 05/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 294 (redacted) |  | 34609375 |  | 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. | Missing evidence that borrower received updated appraisal dated [redacted] . Exception is an [redacted] which can be elected to waive. |  |  |  | Buyer Comment (2025-05-23): Approve |  |  | 05/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 34609378 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Buyer Comment (2025-05-22): Accept<br>Reviewer Comment (2025-05-22): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower at closing. 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.<br>Buyer Comment (2025-05-20): Evidence of delivery for both appraisals and all revisions uploaded. |  |  | 05/22/2025 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 34609379 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-22): Cleared<br>Buyer Comment (2025-05-20): Evidence of delivery for both appraisals and all revisions uploaded. | 05/22/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 34609381 |  | 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] business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-05-22): Provided.<br>Buyer Comment (2025-05-20): [redacted] Shows the ABA and acknowledgement of receipt of ABA disclosed and signed on [redacted]. Application date is [redacted]. ---[redacted], [redacted], (skip the weekend [redacted] and [redacted]) [redacted] makes [redacted] business days. | 05/22/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 295 (redacted) |  | 34609382 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Home Loan (Ability to Repay not Verified) | [redacted] Home Loan [redacted] : File does not contain evidence that broker performed an analysis of borrower's ability to repay based on verified income, obligations, assets, and/or employment. | File does not contain evidence that broker performed an analysis of borrower's ability to repay based on verified income, obligations, assets, and/or employment. |  |  |  | Reviewer Comment (2025-05-22): Provided.<br>Buyer Comment (2025-05-20): ATR Certification uploaded | 05/22/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 296 (redacted) |  | 34609387 |  | 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. | 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 (2025-06-27): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-06-26): Please see PCCD, check for $[redacted] cure, [redacted] signed and dated by both borrowers, proof of delivery and LOA letter attached |  | 06/27/2025 |  | 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 equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 296 (redacted) |  | 34609388 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for unverifiable housing history. | 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>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>Borrower has a clean housing payment history<br>Miscellaneous | Residual income is greater than [redacted].<br>Low Default Risk due to Equity Position - [redacted] LTV lower than product requirements<br>Prior Homeownership Experience (No FC or Short Sale).<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-03): Cleared in error.<br>Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-06-02): Please see non-Agency Loan Approval Summary attached showing an update Comp Factores. Loan was approved for a UW exception due to borrower does not meet the reserves requirements |  |  | 06/03/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 296 (redacted) |  | 34609389 |  | 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 [redacted] months of verified assets when the reserve requirement is [redacted] months.Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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>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>Borrower has a clean housing payment history<br>Miscellaneous | Residual income is greater than [redacted].<br>Low Default Risk due to Equity Position - [redacted] LTV lower than product requirements<br>Prior Homeownership Experience (No FC or Short Sale).<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-03): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of is less than Guideline PITIA months reserves of [redacted].<br>Reviewer Comment (2025-06-03): Cleared in error.<br>Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-30): Please see non-Agency Loan Approval Summary attached showing an update Comp Factores. Loan was approved for a UW exception due to borrower does not meet the reserves requirements |  |  | 06/03/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 296 (redacted) |  | 34609390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to borrower's assets are insufficient to satisfy reserve requirement, |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-30): Please see non-Agency Loan Approval Summary attached showing an update Comp Factores. Loan was approved for a UW exception due to borrower does not meet the reserves requirements | 06/03/2025 |  |  | 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) | 296 (redacted) |  | 34609391 |  | 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. | Borrower's assets are insufficient to satisfy reserve requirement, |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-30): Please see non-Agency Loan Approval Summary attached showing an update Comp Factores. Loan was approved for a UW exception due to borrower does not meet the reserves requirements | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 296 (redacted) |  | 34609392 |  | 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.) | Borrower's assets are insufficient to satisfy reserve requirement, |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-30): Please see non-Agency Loan Approval Summary attached showing an update Comp Factores. Loan was approved for a UW exception due to borrower does not meet the reserves requirements | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 296 (redacted) |  | 34609393 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower's assets are insufficient to satisfy reserve requirement, | 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>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>Borrower has a clean housing payment history<br>Miscellaneous | Residual income is greater than [redacted].<br>Low Default Risk due to Equity Position - [redacted] LTV lower than product requirements<br>Prior Homeownership Experience (No FC or Short Sale).<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-03): Cleared in error.<br>Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-30): Please see non-Agency Loan Approval Summary attached showing an update Comp Factores. Loan was approved for a UW exception due to borrower does not meet the reserves requirements |  |  | 06/03/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 297 (redacted) |  | 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 FNMA 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 FNMA 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) | 297 (redacted) |  | 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) | 297 (redacted) |  | 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) | 298 (redacted) |  | 34609403 |  | 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 (2025-06-05): [redacted] Received Corrected PCCD and LOE moving title fees to section C.<br>Buyer Comment (2025-06-04): Per your request, please see attached PCCD showing all title fees moved to section C.<br>Reviewer Comment (2025-06-04): [redacted] received Post CD and LOX by moving only title- closing protection letter to section C. However, we would require all the title fees to be moved to Section C. Since the Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is [redacted]. Fees on CD were paid to [redacted], [redacted], [redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-06-02): Please see PCCD attached showing title closing protection letter moved to section C<br>Reviewer Comment (2025-05-30): [redacted] received rebuttal. Title - CPL fee and Title - Document Preparation fee paid to service provider. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-05-29): Could you please kindly confirm if by moving The Closing Protection Letter Lender to section C and apply an additional cure for $[redacted] will be clear present exception? Also, what about the fee that is listed or paid to [redacted] fee for $[redacted]needs to be moved to section C? Please advise. Thank you<br>Reviewer Comment (2025-05-23): [redacted] received CD issued [redacted]. Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is [redacted] Title. Fees on CD were paid to [redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-05-22): Could you please kindly review this exception one more time? Per our PC dept we did a TRID review audit and per excel attached the cure for increased in settlement charges is only $[redacted] Plus lender credit reflected in page # [redacted] of [redacted] under section J doe an additional $[redacted]. Please review both files and advise. Thank you | 06/05/2025 |  |  | 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) | 298 (redacted) |  | 34609407 |  | 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 ___. | Calculated loan to value percentage of [redacted] exceeds Guideline loan to value percentage 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Substantial cash reserves.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-14): Client elects to waive with compensating factors. |  |  | 05/14/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 298 (redacted) |  | 34609408 |  | 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 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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Substantial cash reserves.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-14): Client elects to waive with compensating factors. |  |  | 05/14/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 34609413 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet the reserve requirement of [redacted] months as required by guidelines. | Borrower has owned the subject property for at least [redacted] years.<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] | Prior homeownership experience (No FC or Short Sale).<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-13): Lender exception with compensating factors. |  |  | 08/13/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 34609414 |  | 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 does not meet the reserve requirement of [redacted] months as required by guidelines. | Borrower has owned the subject property for at least [redacted] years.<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] | Prior homeownership experience (No FC or Short Sale).<br>Low default risk with equity, LTV [redacted] lower than matrix. | SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-13): Lender exception with compensating factors. |  |  | 08/13/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 34609415 |  | 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. | Borrower does not meet the reserve requirement of [redacted] months as required by guidelines. |  |  |  | Reviewer Comment (2025-08-13): Lender exception with compensating factors, system cleared. | 08/13/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 299 (redacted) |  | 34609416 |  | 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. | Borrower does not meet the reserve requirement of [redacted] months as required by guidelines. |  |  |  | Reviewer Comment (2025-08-13): Lender exception with compensating factors, system cleared. | 08/13/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 299 (redacted) |  | 34609417 |  | 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.) | Borrower does not meet the reserve requirement of [redacted] months as required by guidelines. |  |  |  | Reviewer Comment (2025-08-13): Lender exception with compensating factors, system cleared. | 08/13/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 301 (redacted) |  | 34609421 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien is not provided. |  |  |  | Reviewer Comment (2025-06-03): Received Security instrument for subject lien, Exception cleared.<br>Buyer Comment (2025-06-02): Please see Legal Note and Deed of Trust attached<br>Reviewer Comment (2025-05-30): Provide us with the Deed of Trust for Subject Property for the loan amount $[redacted]. Exception remains<br>Buyer Comment (2025-05-29): Could you please kindly advise what Security Document was missing? The Security Note or the DOT? Thank you | 06/03/2025 |  |  | 1 D A |  | NY | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 301 (redacted) |  | 34609422 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2025-05-30): FACTA Disclosure provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see Credit Score Disclosure attached dated and signed at the time of closing. | 05/30/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 301 (redacted) |  | 34609425 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] | 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 (2025-05-15): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/15/2025 |  | 1 A |  | NY | 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 B | Non QM | Non QM | Yes |
| (redacted) | 301 (redacted) |  | 34609426 |  | 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 | Missing Security Instrument from the file. |  |  |  | Reviewer Comment (2025-06-03): Received Security instrument for subject lien, Exception cleared.<br>Buyer Comment (2025-06-02): Please see [redacted], Note and DOT attached. | 06/03/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
| (redacted) | 302 (redacted) |  | 34609429 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-05-30): CPA provided and associated. Exception cleared | 05/30/2025 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 302 (redacted) |  | 34609431 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to CPA letter provided not dated. |  |  |  | Reviewer Comment (2025-05-30): CPA provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see an update CPA letter attached showing CPA letter date which was [redacted] which is indicated originally on the upper right corner. The CPA resubmitted a letter indicating again the date on which was signed it. | 05/30/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| (redacted) | 302 (redacted) |  | 34609432 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-05-30): CPA provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see CPA letter attached dated on [redacted] showing that bwr is [redacted]% owner of his own business. | 05/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 302 (redacted) |  | 34609433 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | CPA letter provided not dated. |  |  |  | Reviewer Comment (2025-05-30): CPA letter provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see an update CPA letter attached showing CPA letter date which was [redacted] which is indicated originally on the upper right corner. The CPA resubmitted a letter indicating again the date on which was signed it. | 05/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 302 (redacted) |  | 34609434 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA letter provided not dated. |  |  |  | Reviewer Comment (2025-05-30): CPA letter provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see an update CPA letter attached showing CPA letter date which was [redacted] which is indicated originally on the upper right corner. The CPA resubmitted a letter indicating again the date on which was signed it. | 05/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 302 (redacted) |  | 34609435 |  | 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 CPA letter provided not dated. |  |  |  | Reviewer Comment (2025-05-30): CPA letter provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see an update CPA letter attached showing CPA letter date which was [redacted] which is indicated originally on the upper right corner. The CPA resubmitted a letter indicating again the date on which was signed it. | 05/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 302 (redacted) |  | 34609436 |  | 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.) | Waterfall due to CPA letter provided not dated. |  |  |  | Reviewer Comment (2025-05-30): CPA letter provided and associated. Exception cleared<br>Buyer Comment (2025-05-29): Please see an update CPA letter attached showing CPA letter date which was [redacted] which is indicated originally on the upper right corner. The CPA resubmitted a letter indicating again the date on which was signed it. | 05/30/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 304 (redacted) |  | 34609439 |  | 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 v% or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] |  |  |  | Reviewer Comment (2025-05-20): Proof of appraisal delivery is received. Exception cleared.<br>Buyer Comment (2025-05-19): See [redacted] | 05/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 304 (redacted) |  | 34609440 |  | 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 at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-05-20): Proof of appraisal delivery is received. Exception cleared.<br>Buyer Comment (2025-05-19): Internal log of delivery attached, set[redacted]. | 05/20/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 306 (redacted) |  | 34609451 |  | 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. | The exception was regraded to [redacted] 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] . On the [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 [redacted] accordingly. |  |  |  | Buyer Comment (2025-06-03): Accepted |  |  | 06/03/2025 | 2 B |  | FL | Primary | Purchase | Good Faith Redisclosure A B | Non QM | Non QM | Yes |
| (redacted) | 307 (redacted) |  | 34609454 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower has a charge off account that exceeds guideline limits in the amount of [redacted] that was not paid at or prior to closing. | 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>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] | Prior homeownership experience (No FC or Short Sale).<br>Low default risk with substantial equity, LTV [redacted] lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-14): Lender exception with compensating factors. |  |  | 08/14/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | A B | Non QM | Non QM | No |
| (redacted) | 308 (redacted) |  | 34609458 |  | 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 Underwriting Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] . Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-29): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-05-27): pccd with cover letter and cure |  | 05/29/2025 |  | 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) | 308 (redacted) |  | 34609459 |  | 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 (2025-05-29): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-05-27): pccd with cover letter and cure |  | 05/29/2025 |  | 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) | 308 (redacted) |  | 34609460 |  | 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 does not meet the reserve requirements (Guidelines require [redacted] months, borrower has verified [redacted] months). Cashout is for debt consolidation. | 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 | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-19): Client elects to waive with compensating factors. |  |  | 05/19/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 308 (redacted) |  | 34609461 |  | 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 ___. | Calculated loan to value percentage of [redacted] exceeds Guideline loan to value percentage 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>Miscellaneous | [redacted] years on job.<br>Residual income is greater than [redacted]<br>Prior Homeownership Experience (No FC or Short Sale). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-19): Client elects to waive with compensating factors. |  |  | 05/19/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 309 (redacted) |  | 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) | 309 (redacted) |  | 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) | 309 (redacted) |  | 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) | 309 (redacted) |  | 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) | 310 (redacted) |  | 34609471 |  | 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 (2025-05-27): Approve |  |  | 05/27/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 312 (redacted) |  | 34609478 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible DTI: Total Debt Ratio exceeds maximum. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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>Miscellaneous<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-28): Please note, [redacted] approval summary details compensating factors of [redacted]+ years on current job and prior homeownership experience with no FC or short sale being approved by [redacted] and [redacted]. if unable to downgrade/clear, please escalate.<br>Reviewer Comment (2025-05-28): DTI exceeds guideline requirements and requires additional compelling compensating factors for consideration of downgrading/waiving.<br>Buyer Comment (2025-05-23): Underwriting parameter exception approved with compensating factors of having [redacted]+ years on current job and prior homeownership experience with no FC or short sale. See uploaded approval with corresponding exception approval information pertaining to DTI. |  |  | 06/03/2025 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 312 (redacted) |  | 34609480 |  | 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 (2025-05-27): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-05-23): [redacted] is PC CD, on final page shows principle reduction of $[redacted]which includes the $[redacted]. payment history uploaded. |  | 05/27/2025 |  | 2 C B |  | NJ | 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) | 312 (redacted) |  | 34609481 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 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. |  |  |  | Reviewer Comment (2025-07-14): Documents received, system cleared.<br>Buyer Comment (2025-07-10): Proper [redacted] form signed and uploaded<br>Reviewer Comment (2025-06-03): Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form to mitigate the condition.<br>Buyer Comment (2025-05-28): H-8 form used, please downgrade to [redacted] and waive | 07/14/2025 |  |  | 1 C A |  | NJ | 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) | 312 (redacted) |  | 34609482 |  | 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 ___. | Ineligible DTI: Total Debt Ratio exceeds maximum. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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>Miscellaneous<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-06-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-28): Please note, [redacted] approval summary details compensating factors of [redacted]+ years on current job and prior homeownership experience with no FC or short sale being approved by [redacted] and [redacted]. if unable to downgrade/clear, please escalate. |  |  | 06/03/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 312 (redacted) |  | 34609483 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | Loan designation due to Ineligible DTI: Total Debt Ratio exceeds maximum. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  |  | Reviewer Comment (2025-06-04): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-06-04): x<br>Reviewer Comment (2025-06-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-28): Please note, [redacted] approval summary details compensating factors of [redacted]+ years on current job and prior homeownership experience with no FC or short sale being approved by [redacted] and [redacted]. if unable to downgrade/clear, please escalate. | 06/04/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 312 (redacted) |  | 34609484 |  | 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. | Ineligible DTI: Total Debt Ratio exceeds maximum. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. |  |  |  | Reviewer Comment (2025-06-03): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-05-28): Please note, [redacted] approval summary details compensating factors of [redacted]+ years on current job and prior homeownership experience with no FC or short sale being approved by [redacted] and [redacted]. if unable to downgrade/clear, please escalate. | 06/03/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 312 (redacted) |  | 34609485 |  | 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.) | Ineligible DTI: Total Debt Ratio exceeds maximum. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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>Miscellaneous<br>The refinance has decreased the borrower's monthly debt payments by [redacted] or more. | Lender Exception with Compensating Factors.<br>Prior homeownership Experience (No FC or SS) | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-06-04): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-28): Please note, [redacted] approval summary details compensating factors of [redacted]+ years on current job and prior homeownership experience with no FC or short sale being approved by [redacted] and [redacted]. if unable to downgrade/clear, please escalate. |  |  | 06/04/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 312 (redacted) |  | 34609486 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | 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 (2025-05-28): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/28/2025 |  | 1 A |  | NJ | 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) | 313 (redacted) |  | 34609488 |  | 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 (2025-05-29): Cleared.<br>Buyer Comment (2025-05-27): initial and final lock agreements uploaded | 05/29/2025 |  |  | 1 B A |  | AR | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 313 (redacted) |  | 34609490 |  | 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 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 was cure provided at closing. |  |  |  | Reviewer Comment (2025-06-03): [redacted] Received Valid COC dated [redacted].<br>Buyer Comment (2025-06-02): coc with loan amount increase uploaded<br>Reviewer Comment (2025-05-28): [redacted] received rebuttal, however we require valid COC document for increase of loan amount on CD dated [redacted]. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-27): increase in broker fee based on loan amount increase, please see final LE dated [redacted] with loan amt of $[redacted] and CD at time of lock [redacted] loan amt $[redacted] | 06/03/2025 |  |  | 1 C A |  | AR | 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 B | Non QM | Non QM | Yes |
| (redacted) | 313 (redacted) |  | 34609491 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-05-28): Evidence of Taxpayer Consent document received. - Exception Cleared.<br>Buyer Comment (2025-05-27): 4506 AND TAX CONSENT UPLOADED | 05/28/2025 |  |  | 1 B A |  | AR | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 314 (redacted) |  | 34609492 |  | 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 [redacted] , max guidelines [redacted] for FICO < [redacted] .Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | 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] | Substantial cash reserves. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-30): ....<br>Reviewer Comment (2025-08-13): Guidelines allow for CLTV of [redacted]%.<br>Reviewer Comment (2025-08-13): N/A guidelines allow CLTV of [redacted]%.<br>Reviewer Comment (2025-08-13): ..<br>Reviewer Comment (2025-05-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-23): See Non-Agency Loan Approval ([redacted]) for information regarding [redacted]% LTV Underwriting Parameter Exception approval with applicable compensating factor of substantial cash reserves. |  |  | 09/30/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 314 (redacted) |  | 34609496 |  | 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. | Housing history shows three late housing payments in the past [redacted] months. |  |  |  | Reviewer Comment (2025-05-28): Cleared.<br>Buyer Comment (2025-05-23): Per Flexible advantage guideline matrix, the file is considered credit grade A, which has housing payment history requirement of [redacted], thus the [redacted] is still within the guidelines. See uploaded snip of applicable guideline matrix. | 05/28/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 314 (redacted) |  | 34609497 |  | 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 (2025-08-14): [redacted]% CLTV allowed per guidelines.<br>Reviewer Comment (2025-08-14): ...<br>Reviewer Comment (2025-08-14): ..<br>Reviewer Comment (2025-05-28): Client elects to waive with compensating factors.<br>Buyer Comment (2025-05-23): See Non-Agency Loan Approval ([redacted]) for information regarding [redacted]% LTV Underwriting Parameter Exception approval with applicable compensating factor of substantial cash reserves. | 08/14/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609511 |  | 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 (2025-06-17): .<br>Reviewer Comment (2025-06-17): Missing appraisal transfer letter from trailing documents. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-06-13): Transfer letter attached.<br>Reviewer Comment (2025-06-11): Lender named on Appraisal differs from Lender on Note. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-06-09): This appears to be a waterfall finding? Can you clarify? |  |  | 06/17/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609514 |  | 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. | Recoding Fee was added on closing disclosure issued [redacted] , Change of circumstance stated loan amount changed, however that would not effect recording fee. |  |  |  | Reviewer Comment (2025-06-02): [redacted] received [redacted] document and rebuttal comment for change in vesting.<br>Buyer Comment (2025-05-30): The increase to recording fees is for the quitclaim deed price at $[redacted]. This was a legitimate change of circumstance allowing for the additional fee. | 06/02/2025 |  |  | 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) | 317 (redacted) |  | 34609515 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | The verification of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Closing VVOE attached. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609516 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The verification of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Attached to [redacted]. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609517 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of [redacted] does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to verification of employment not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Attached to [redacted]. | 06/03/2025 |  |  | 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) | 317 (redacted) |  | 34609518 |  | 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.) | Waterfall due to verification of employment not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Attached to [redacted]. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609519 |  | 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 verification of employment not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Attached to [redacted]. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609520 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Instalment payment of [redacted] for home improvement loan included in the calculations of DTI. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Please see finding [redacted].<br>Reviewer Comment (2025-06-02): The credit supplement reflects the account is current and payment due [redacted], doc id [redacted]. We would need an updated supplement to reflect this account was satisfied to not include in the DTI. Exception Remains.<br>Buyer Comment (2025-05-30): See finding [redacted]. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609521 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Instalment payment of [redacted] for home improvement loan included in the calculations of DTI. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Attached is the recorded termination of the lien, recorded [redacted], prior to the next payment due. The supplement is dated [redacted], prior to this termination.<br>Reviewer Comment (2025-06-02): The credit supplement reflects the account is current and payment due [redacted], doc id [redacted]. We would need an updated supplement to reflect this account was satisfied to not include in the DTI. Exception Remains.<br>Buyer Comment (2025-05-30): See finding [redacted]. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609522 |  | 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.) | Instalment payment of [redacted] for home improvement loan included in the calculations of DTI. |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-05-30): Terminated; see upload attached to finding [redacted]. | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609523 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  |  |  |  |  | Reviewer Comment (2025-06-03): Documents received, system cleared.<br>Buyer Comment (2025-06-02): Please see finding [redacted].<br>Reviewer Comment (2025-06-02): The credit supplement reflects the account is current and payment due [redacted], doc id [redacted]. We would need an updated supplement to reflect this account was satisfied to not include in the DTI. Exception Remains.<br>Buyer Comment (2025-05-30): This appears to reference the [redacted] line. See attached termination (item [redacted]). | 06/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 317 (redacted) |  | 34609524 |  | 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 Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2025-06-02): Sufficient Cure Provided At Closing |  | 06/02/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 318 (redacted) |  | 34609528 |  | 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. | Credit Report Fee in loan estimate is [redacted] and closing disclosure reflects [redacted] . No Valid change circumstance in file. |  |  |  | Reviewer Comment (2025-05-29): [redacted] received PCCD, LOE & payment history for principal reduction of cure.<br>Buyer Comment (2025-05-27): pccd with cover letter and cure processed |  | 05/29/2025 |  | 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) | 318 (redacted) |  | 34609529 |  | 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 (2025-06-04): [redacted] received a valid COC.<br>Buyer Comment (2025-06-02): please see COC, increased LTV/CLTV and increased loan amount caused lender credit to be removed<br>Reviewer Comment (2025-05-30): [redacted] received COC indicates loan amount change and rate lock. but 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. From rate lock provided we are unable to compare the pricing change as previous lock confirmation is not in file. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower.<br>Buyer Comment (2025-05-29): coc, rate lock and cd with cover letter addressing change of terms uploaded to support removal of lender credit | 06/04/2025 |  |  | 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) | 318 (redacted) |  | 34609530 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-04): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/04/2025 |  | 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) | 319 (redacted) |  | 34609534 |  | 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 ___. | No reserves provided per guideline requirement of [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>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 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>Borrower has a clean housing payment history | Residual income is greater than [redacted].<br>[redacted] years on job.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-05-22): Client elects to waive with compensating factors. |  |  | 05/22/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 320 (redacted) |  | 34609537 |  | 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. | No cure or valid CoC provided. |  |  |  | Reviewer Comment (2025-05-29): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-05-27): Also, please see image [redacted] reflecting payment history reflecting PR.<br>Buyer Comment (2025-05-27): Please see image [redacted] [redacted]- [redacted]reflecting $[redacted]credit report PR and no additional cure required. Credit report disclosed as $[redacted], actual charge to borrower $[redacted]. |  | 05/29/2025 |  | 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) | 320 (redacted) |  | 34609538 |  | 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 Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-05-29): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/29/2025 |  | 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) | 321 (redacted) |  | 34609540 |  | 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. | Evidence the borrower was provided a copy of appraisal within [redacted] business days prior to consummation is missing. |  |  |  | Buyer Comment (2025-08-07): \* |  |  | 08/07/2025 | 2 B |  | CA | Primary | Refinance - Limited Cash-out GSE | B A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 34609543 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-02): Appraisal notice received showing borrower received appraisal report at [redacted], Exception cleared.<br>Buyer Comment (2025-06-02): Email from borrower on [redacted] confirming receipt uploaded.<br>Reviewer Comment (2025-05-29): 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 (2025-05-27): Email to borrower on [redacted] delivery of appraisal uploaded. | 06/02/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 34609544 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-02): Appraisal notice received showing borrower received appraisal report at [redacted], Exception cleared.<br>Buyer Comment (2025-06-02): Email from borrower on [redacted] confirming receipt uploaded.<br>Reviewer Comment (2025-05-29): 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 (2025-05-27): Email to borrower on [redacted] delivery of appraisal uploaded. | 06/02/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 34609545 |  | 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 at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-02): Appraisal notice received showing borrower received appraisal report at [redacted], Exception cleared.<br>Buyer Comment (2025-06-02): Email from borrower on [redacted] confirming receipt uploaded.<br>Reviewer Comment (2025-05-28): Exception remains. Still require confirmation of receipt of appraisal by borrower [redacted] days prior to Note date.<br>Buyer Comment (2025-05-27): Email to borrower on [redacted] delivery of appraisal uploaded. | 06/02/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 322 (redacted) |  | 34609547 |  | 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 at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-05-28): [redacted] received disclosure summary suffice.<br>Buyer Comment (2025-05-27): Initial closing disclosure sent and viewed on [redacted] and closing took place, with documents being signed on [redacted].<br>Buyer Comment (2025-05-27): Initial closing disclosure sent and viewed on [redacted], [redacted] and closing took place, with documents being signed on [redacted]. | 05/28/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 327 (redacted) |  | 34609567 |  | 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. |  |  |  | Buyer Comment (2025-05-30): Approve<br>Reviewer Comment (2025-05-29): [redacted] reflects initial deposit as $[redacted], however, CD reflects $[redacted]. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-05-27): Image [redacted] correctly reflects escrow acct balance with only flood insurance escrowed. |  |  | 05/30/2025 | 2 B |  | AZ | 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) | 327 (redacted) |  | 34609568 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Projected Payments: No homeowner insurance is disclosed as escrowed on Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-05-28): Exception downgraded<br>Reviewer Comment (2025-05-28): 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.<br>Buyer Comment (2025-05-27): Image [redacted] reflects homeowners insurance as NOT being included. Flood insurance is included in escrow. | 05/28/2025 |  |  | 1 C A |  | AZ | 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) | 327 (redacted) |  | 34609570 |  | 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 at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-05-28): [redacted] received proof of receipt.<br>Buyer Comment (2025-05-27): Please see image [redacted] reflecting borrower viewing initial CD [redacted] days PTC. | 05/28/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 327 (redacted) |  | 34609571 |  | 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. | Flood included in Other. |  |  |  | Buyer Comment (2025-05-30): Approve |  |  | 05/30/2025 | 2 B |  | AZ | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| (redacted) | 328 (redacted) |  | 34609572 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-06-05): Cleared.<br>Buyer Comment (2025-06-03): Please see 4506t form both borrowers | 06/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| (redacted) | 328 (redacted) |  | 34609574 |  | 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. | Evidence of receipt prior to [redacted] business days of closing is missing. |  |  |  | Reviewer Comment (2025-06-05): Cleared<br>Buyer Comment (2025-06-03): Please see proof of appraisal been delivered to bwr on [redacted] | 06/05/2025 |  |  | 1 B A |  | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| (redacted) | 328 (redacted) |  | 34609575 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing [redacted]-C for borrower. |  |  |  | Reviewer Comment (2025-06-05): Cleared.<br>Buyer Comment (2025-06-03): Please see 4506t form both borrowers | 06/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| (redacted) | 330 (redacted) |  | 34609579 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than [redacted] months prior to the note date. |  | Incorrect year stated on appraisal effective date. [redacted] stated and should be [redacted] . |  |  |  | Reviewer Comment (2025-06-11): Cleared.<br>Buyer Comment (2025-06-09): correct copy attached. | 06/11/2025 |  |  | 1 D A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609580 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Incorrect year stated on appraisal effective date. [redacted] stated and should be [redacted] . |  |  |  | Reviewer Comment (2025-06-11): Cleared.<br>Buyer Comment (2025-06-09): Please see attachment to finding [redacted] | 06/11/2025 |  |  | 1 D A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609581 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Incorrect year stated on appraisal effective date. [redacted] stated and should be [redacted] . |  |  |  | Reviewer Comment (2025-06-11): Cleared.<br>Buyer Comment (2025-06-09): Please see attachment to finding [redacted] | 06/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609582 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 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] . Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-06-11): Appraisal update | 06/11/2025 |  |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609584 |  | 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. | Appraisal dated [redacted] not obtained prior to consummation [redacted] |  |  |  | Reviewer Comment (2025-06-16): Cleared.<br>Buyer Comment (2025-06-11): Please see finding [redacted]. | 06/16/2025 |  |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609585 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal dated [redacted] not obtained prior to consummation [redacted] |  |  |  | Reviewer Comment (2025-06-16): Cleared.<br>Buyer Comment (2025-06-11): Please see finding [redacted]. | 06/16/2025 |  |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609586 |  | 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 documentation in the file to evidence borrower was provided with a copy of valuation dated [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-16): Cleared.<br>Reviewer Comment (2025-06-16): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. (Type:Primary/[redacted])<br>Buyer Comment (2025-06-11): See attached. This was a post-close clerical update that did not affect valuation. Borrower viewed the document on [redacted]. Please adjust to grade [redacted]. | 06/16/2025 |  |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 330 (redacted) |  | 34609588 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-16): Client elects to waive. |  |  | 06/16/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609590 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Donor check is missing for gift amount $[redacted] and $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift funds of $[redacted]and $[redacted]are not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): please clarify condition for gift checks, gift amounts are $[redacted]and $[redacted]. LAS report does not include the [redacted] gift amounts noted on condition. | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609591 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift fund is not provided for $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift fund for $[redacted] is not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): loan file does not include $[redacted] gift funds, please check LAS report | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609592 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift fund is not provided for $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift fund for $[redacted]is not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): transaction does not include $[redacted] gift, please check las report | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609593 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Gift fund and donor check is not provided for $[redacted]and $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift funds of $[redacted]and $[redacted]are not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): please clarify gift amounts noted, CD does not include the gift amounts noted and las report does not include the above gift amounts either | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609595 |  | 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. | Gift fund and donor check is not provided for $[redacted]and $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift funds of $[redacted]and $[redacted]are not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): gift funds of $[redacted]k and $[redacted]k not included in closing. Please see loe regarding business deposit backed out, please back out of $[redacted]k deposit from [redacted] acct [redacted] and reduce available balance to $[redacted] | 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) | 331 (redacted) |  | 34609596 |  | 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.) | Gift fund and donor check is not provided for $[redacted]and $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift funds of $[redacted] and $[redacted] are not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): gift funds of $[redacted]k and $[redacted]k not included in closing. Please see loe regarding business deposit backed out, please back out of $[redacted]k deposit from [redacted] acct [redacted] and reduce available balance to $[redacted] | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609597 |  | 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 at least three (business days prior to closing. |  |  |  | Reviewer Comment (2025-06-06): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-06-05): Initial CD with receipt dated [redacted] uploaded | 06/06/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609598 |  | 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. | Insufficient or 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 (2025-06-04): [redacted] Received Corrected PCCD, LOE and Payment History.<br>Buyer Comment (2025-06-03): pccd with cover letter and principal reduction applied |  | 06/04/2025 |  | 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) | 331 (redacted) |  | 34609599 |  | 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. | Gift fund and donor check is not provided for $[redacted]and $[redacted]. |  |  |  | Reviewer Comment (2025-06-03): Gift funds of $[redacted] and $[redacted] are not considered as per Final Closing Disclosure. Exception cleared.<br>Buyer Comment (2025-06-03): gift funds of $[redacted]k and $[redacted]k not included in closing. Please see loe regarding business deposit backed out, please back out of $[redacted]k deposit from [redacted] acct [redacted] and reduce available balance to $[redacted] | 06/03/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 331 (redacted) |  | 34609600 |  | 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 (2025-06-04): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/04/2025 |  | 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) | 332 (redacted) |  | 34609602 |  | 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 due to DTI being higher than the maximum allowed. Lender did not include borrower primary residence taxes and insurance in DTI calculation. |  |  |  | Reviewer Comment (2025-07-11): Lender Exception with Compensating Factors., system cleared<br>Buyer Comment (2025-07-09): Non-agency loan approval of ratios [redacted]% | 07/11/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 332 (redacted) |  | 34609604 |  | 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]%. Lender did not include borrower primary residence taxes and insurance in DTI calculation. | 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]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-11): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-09): Non-agency loan approval of ratios [redacted]% |  |  | 07/11/2025 | 2 C B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 332 (redacted) |  | 34609605 |  | 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]%. Lender did not include borrower primary residence taxes and insurance in DTI calculation. |  |  |  | Reviewer Comment (2025-07-11): Lender Exception with Compensating Factors., system cleared.<br>Buyer Comment (2025-07-09): Non-agency loan approval of ratios [redacted]% | 07/11/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 332 (redacted) |  | 34609606 |  | 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)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to calculated DTI moderately exceeding maximum allowed. Lender did not include borrower primary residence taxes and insurance in DTI calculation. | 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]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]<br>Low housing ratio of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-11): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-09): Non-agency loan approval of ratios [redacted]% |  |  | 07/11/2025 | 2 C B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 333 (redacted) |  | 34609609 |  | 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. | [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. |  |  |  | Reviewer Comment (2025-06-05): [redacted] Received Corrected PCCD, LEO and Final Settlement Statement.<br>Buyer Comment (2025-06-04): Updated PC CD showing lender credit for cure in section J, and final settlement statement uploaded.<br>Reviewer Comment (2025-06-04): [redacted] On Final CD Lender Credit reflects $[redacted]; however, Lender Cure is missing. General Lender Credit cannot be considered as Lender Cure. IF Lender Credit is provided for Appraisal fee than please provide Corrected PCCD, LOE showing Lender Cure amount $[redacted] under section J inner Column along with True and certified Final Settlement statement.<br>Buyer Comment (2025-06-03): As seen in screenshot uploaded, lender credit of $[redacted] dollars shown on CD is to cure the $[redacted] appraisal fee exceedance. | 06/05/2025 |  |  | 1 C A |  | NJ | 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) | 334 (redacted) |  | 34609615 |  | 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 (2025-05-28): Sufficient Cure Provided At Closing |  | 05/28/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 335 (redacted) |  | 34609623 |  | 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. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Buyer Comment (2025-06-09): .<br>Reviewer Comment (2025-06-05): Exception remain EV[redacted] as appraisal provided to borrower on or after [redacted] report date was dated [redacted] and not [redacted] days prior to consummation date.<br>Buyer Comment (2025-06-03): Attached. |  |  | 06/09/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 335 (redacted) |  | 34609624 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Buyer Comment (2025-06-09): .<br>Reviewer Comment (2025-06-05): Exception remain EV[redacted] as appraisal provided to borrower on or after [redacted] report date was dated [redacted] and not [redacted] days prior to consummation date.<br>Buyer Comment (2025-06-03): Attached. |  |  | 06/09/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 336 (redacted) |  | 34609628 |  | 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's FICO of [redacted]is less than the [redacted]required by guidelines to use cash-out proceeds for reserves. | 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 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 equity, LTV [redacted] lower than matrix.<br>Qualifying ratios of [redacted] or less.<br>Total monthly payment savings of [redacted] or more a month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-30): Lender exception with compensating factors. |  |  | 05/30/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 339 (redacted) |  | 34609638 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Unable to test fair market acknowledgment due to missing information. | Fair Market Acknowledgment is not signed by Borrower. |  |  |  | Reviewer Comment (2025-06-05): Cleared.<br>Buyer Comment (2025-06-03): Acknowledgment of Fair Market Value Disclosure uploaded | 06/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | 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. C B A | Non QM | Non QM | Yes |
| (redacted) | 339 (redacted) |  | 34609640 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO of [redacted] required to allow cash out for reserves. | 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>Miscellaneous<br>Miscellaneous | Residual income is greater than [redacted]<br>Low housing ratio [redacted] or less.<br>Total monthly payment savings of [redacted] or more per month. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-29): Client elects to waive with compensating factors. |  |  | 05/29/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609641 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2025-07-23): Provided. | 07/23/2025 |  |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609642 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note document reflects State name "[redacted]" not matching source document "[redacted]". |  |  |  | Reviewer Comment (2025-06-06): Cleared.<br>Buyer Comment (2025-06-04): Please see an update hazard insurance policy showing corrections on the city name | 06/06/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609643 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note document reflects State name "[redacted]" not matching source document "[redacted]". |  |  |  | Reviewer Comment (2025-06-06): Cleared.<br>Buyer Comment (2025-06-04): Please see an update Flood Certification showing corrections in the city name. | 06/06/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609644 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Note document reflects State name "[redacted]" not matching source document "[redacted]". |  |  |  | Reviewer Comment (2025-07-17): Corrected Note provided<br>Buyer Comment (2025-07-15): Please see attached documents: Legal Note, DOT, Appraisal Report, CDA report, Hazard Insurance policy and Flood certification showing correction on the city's name. we misspelled the city's name, and the corrections are being made to [redacted]. Advise if you may need additional documents to clear this file. Thank you. | 07/17/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609645 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-06): Cleared.<br>Buyer Comment (2025-06-04): Please see proof of appraisal been delivered to bwr attached. Proof was submitted to bwr on [redacted] | 06/06/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609649 |  | 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 (2025-06-05): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-06-04): Please see PCCD & Pymt history showing a cure for $[redacted] which includes increase in credit report fee for $[redacted] and $[redacted] for increase in credit report fee. |  | 06/05/2025 |  | 2 C B |  | NC | 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) | 340 (redacted) |  | 34609650 |  | 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. | Credit Report Fee was disclosed as $[redacted]on initial 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 (2025-06-05): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-06-04): Please see PCCD & Pymt history showing a cure for $[redacted] which includes increase in credit report fee for $[redacted] and $[redacted] for increase in credit report fee. |  | 06/05/2025 |  | 2 C B |  | NC | 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) | 340 (redacted) |  | 34609651 |  | 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. | Note document reflects State name reflects "[redacted]" is not matching with source document. |  |  |  | Reviewer Comment (2025-07-23): Provided.<br>Buyer Comment (2025-07-18): Please see attached Final Title Policy Insurance showing corrections on the property address.<br>Reviewer Comment (2025-07-17): Title policy in file has the incorrect property address. Title states [redacted]<br> and address is [redacted] N [redacted] Highway [redacted]<br>Buyer Comment (2025-07-15): Please see attached documents: Legal Note, DOT, Appraisal Report, CDA report, Hazard Insurance policy and Flood certification showing correction on the city's name. we misspelled the city's name, and the corrections are being made to[redacted]. Advise if you may need additional documents to clear this file. Thank you. | 07/23/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609652 |  | 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 does not meet reserves requirement of [redacted] months. | Borrower has verified disposable income of 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>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Residual income is greater than [redacted]<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-29): Client elects to waive with compensating factors. |  |  | 05/29/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609653 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet reserves requirement of [redacted] months. | Borrower has verified disposable income of 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>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Residual income is greater than [redacted]<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Prior Homeownership Experience (No FC or Short Sale).<br>Low housing ratio [redacted] or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-29): Client elects to waive with compensating factors. |  |  | 05/29/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 340 (redacted) |  | 34609654 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-06): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/06/2025 |  | 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) | 340 (redacted) |  | 34609655 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-06): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/06/2025 |  | 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) | 341 (redacted) |  | 34609656 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-06-10): Provided.<br>Buyer Comment (2025-06-06): Appraisal CU uploaded. | 06/10/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609660 |  | 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. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |  | 05/28/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 341 (redacted) |  | 34609661 |  | 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's FICO of [redacted]fails to meet the minimum guideline requirement of [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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]<br>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted] or less.<br>Total monthly payment savings of at least [redacted] per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-05-28): Lender Exception with Compensating Factors. |  |  | 05/28/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609662 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing proof of receipt of child support. |  |  |  | Reviewer Comment (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): Proof[redacted] months child support payments received uploaded. | 06/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609663 |  | 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 exceed maximum [redacted]% and missing proof of receipt of child support. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please note, [redacted] is including [redacted] Collections Judgement monthly payment of[redacted]The account is a charge-off older than [redacted] years and is an auto loan that was a repossession, therefore no longer secured.<br>Reviewer Comment (2025-06-27): Still need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. [redacted]in file has other monthly debt of [redacted] and we have $[redacted]. Proof of child support has been received and cleared.<br>Buyer Comment (2025-06-26): Proof [redacted] months child support payments received uploaded. | 07/03/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 341 (redacted) |  | 34609664 |  | 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 exceed maximum [redacted]% and missing proof of receipt of child support. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please note, [redacted]is including [redacted] Collections Judgement monthly payment of [redacted]. The account is a charge-off older than[redacted] and is an auto loan that was a repossession, therefore no longer secured.<br>Reviewer Comment (2025-06-27): Still need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. 1008 in file has other monthly debt of [redacted] Proof of child support has been received and cleared.<br>Buyer Comment (2025-06-26): Proof [redacted] months child support payments received uploaded. | 07/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609665 |  | 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 exceed maximum [redacted]% and missing proof of receipt of child support. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please note, [redacted] is including [redacted] Collections Judgement monthly payment of [redacted] The account is a charge-off older than[redacted] years and is an auto loan that was a repossession, therefore no longer secured.<br>Reviewer Comment (2025-06-27): Still need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. [redacted]in file has other monthly debt of [redacted]. Proof of child support has been received and cleared.<br>Buyer Comment (2025-06-26): Proof [redacted] months child support payments received uploaded. | 07/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609666 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. 1008 in file has other monthly debt of $[redacted]and we have $[redacted] |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please note, [redacted] is including [redacted] Collections Judgement monthly payment of [redacted]. The account is a charge-off older than [redacted] years and is an auto loan that was a repossession, therefore no longer secured.<br>Reviewer Comment (2025-06-27): Still need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. [redacted]in file has other monthly debt of [redacted] Proof of child support has been received and cleared.<br>Buyer Comment (2025-06-26): Proof [redacted] months child support payments received uploaded. | 07/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609667 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | DTI exceeds maximum [redacted]% and missing proof of receipt of child support. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please note, [redacted] is including [redacted] Collections Judgement monthly payment of [redacted]. The account is a charge-off older than [redacted] years and is an auto loan that was a repossession, therefore no longer secured.<br>Reviewer Comment (2025-06-27): Still need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. [redacted]in file has other monthly debt of [redacted]. Proof of child support has been received and cleared.<br>Buyer Comment (2025-06-26): Proof [redacted] months child support payments received uploaded. | 07/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 341 (redacted) |  | 34609668 |  | 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 1026.43(c)(5) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted]-B.) | Need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. 1008 in file has other monthly debt of $[redacted]and we have $[redacted]. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please note, [redacted] is including [redacted]Collections Judgement monthly payment of[redacted]. The account is a charge-off older than [redacted] years and is an auto loan that was a repossession, therefore no longer secured.<br>Reviewer Comment (2025-06-27): Still need clarification of what debt and collection/charge-offs accounts are being excluded to qualify. [redacted]in file has other monthly debt of [redacted]<br>Buyer Comment (2025-06-26): Proof [redacted] months child support payments received uploaded. | 07/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 342 (redacted) |  | 34609671 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | Final 1003 reflects Borrower Occupancy is Primary Residence; Declaration Section reflects Question A. Will you occupy the property as your primary residence? Borrower declared No. |  |  |  | Reviewer Comment (2025-06-05): Cleared.<br>Buyer Comment (2025-06-03): Please see update initial, final [redacted]and attestation letter showing corrections on the section A. | 06/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 34609675 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-05): Documents received, system cleared.<br>Buyer Comment (2025-06-03): Please see Initial Escrow Acct Statement Attached | 06/05/2025 |  |  | 1 B A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 343 (redacted) |  | 34609676 |  | 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. | 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 (2025-06-05): Documents received, system cleared. | 06/05/2025 |  |  | 1 A |  | PA | 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) | 343 (redacted) |  | 34609677 |  | 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]. 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]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-04): [redacted]Received Corrected PCCD, LEO and Payment history.<br>Buyer Comment (2025-06-03): Please see PCCD & Pymt History attached showing a cure for [redacted] due to increase in Verification of Employment |  | 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) | 343 (redacted) |  | 34609678 |  | 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 (2025-06-05): Documents received, system cleared. | 06/05/2025 |  |  | 1 A |  | PA | 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) | 343 (redacted) |  | 34609680 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of $[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) | 344 (redacted) |  | 34609684 |  | 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 (2025-05-28): Sufficient Cure Provided At Closing |  | 05/28/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 345 (redacted) |  | 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) | 345 (redacted) |  | 34609690 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. |  |  |  |  | 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) | 346 (redacted) |  | 34609694 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | Borrower does not meet guidelines requirement of [redacted]% of borrower's own contribution. |  |  |  | Reviewer Comment (2025-06-05): Documents received, system cleared.<br>Buyer Comment (2025-06-03): Please clarify, as all funds to close are the borrowers' own funds. Proceeds from the sale of real estate are the borrowers' own funds. | 06/05/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A B | Non QM | Non QM | No |
| (redacted) | 346 (redacted) |  | 34609695 |  | 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. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-05): Documents received, system cleared.<br>Buyer Comment (2025-06-03): Delivery attached. | 06/05/2025 |  |  | 1 B A |  | ID | Primary | Purchase | C A B | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 34609698 |  | 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. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted] prior to closing. |  |  |  | Reviewer Comment (2025-06-19): Cleared.<br>Buyer Comment (2025-06-17): Please see attached documents that includes proof of appraisal been delivered to bwr on [redacted] also see order details showing that appraisal dated on [redacted] was requested due to clerical error in the Parcel to match the tax certification 1[redacted] also see appraisal dated on [redacted] | 06/19/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 34609699 |  | 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. | Valuation is not provided to applicant [redacted] business days prior to consummation |  |  |  | Reviewer Comment (2025-06-19): Cleared.<br>Buyer Comment (2025-06-17): Please see attached documents that includes proof of appraisal been delivered to bwr on [redacted] also see order details showing that appraisal dated on [redacted]was requested due to clerical error in the Parcel to match the tax certification [redacted] also see appraisal dated on [redacted] | 06/19/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 348 (redacted) |  | 34609701 |  | 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 was not disclosed on initial LE but $[redacted]was disclosed on Closing disclosure. Sufficient Cure was not provided on file. |  |  |  | Reviewer Comment (2025-07-10): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-07-09): Please see PCCD and pymt history attached showing a cure for the amount of [redacted]<br>Reviewer Comment (2025-06-26): [redacted] - Title - Abstract/Search fee added on CD and was not charged any LEs and the fee was payable to [redacted] Title, LLC Company and the lender has an Affiliated business with [redacted] LLC, hence, Title-Abstract fee is subject to [redacted]% Tolerance testing. Moreover, cure provided on PCCD is insufficient to cure for this exception. Hence, we also required additional cure of[redacted] with cure consist of CD, LOE, Proof of delivery and copy of check<br>Buyer Comment (2025-06-24): Could you please review kindly this discrepancy or either escalate it to your team lead or [redacted]? The increase in Title Search fee is part of the settlement charges that may allow an increase of [redacted]% this fee is not a [redacted]% tolerance, Thank you<br>Reviewer Comment (2025-06-24): [redacted] received cure documents for[redacted], however cure required is for[redacted]. Please provide additional cure of [redacted]. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-23): Could you please see attached TRID Tolerance Template, PCCD and pymt history showing a cure for a total of [redacted] due to increase in settlement charges, per our TRID the total cure for increased in settlement charges is[redacted]<br>Buyer Comment (2025-06-23): Could you please see attached TRID Tolerance Template, PCCD and pymt history showing a cure for a total of[redacted]due to increase in settlement charges, per our TRID the total cure for increased in settlement charges is [redacted] |  | 07/10/2025 |  | 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) | 348 (redacted) |  | 34609704 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-19): Client accepts EV[redacted]. |  |  | 06/19/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 349 (redacted) |  | 34609709 |  | 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]% tolerance was exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]Title examination fee, Title document preparation fee and Recording fee due to Recording fees. No valid COC in file. |  |  |  | Reviewer Comment (2025-07-24): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-07-23): Uploaded PC CD and Pay History<br>Reviewer Comment (2025-07-11): [redacted] received cure of[redacted] on Final CD and also additional cure of [redacted] as principal reduction. Whereas the total cure for Credit Re-issue and Ten percent exception is [redacted]. Therefore, the provided cure is insufficient to cure the required amount. Kindly provide additional cure of [redacted] in order to cure the exception.<br>Buyer Comment (2025-07-10): PC CD shows the PR cure of [redacted] on page [redacted] , and page[redacted] shows [redacted] lender credit for closing costs over legal limit. [redacted]<br>Reviewer Comment (2025-07-09): [redacted] received Post CD,LOX and payment history for [redacted] however the total cure required to cure the ten percent exception is of [redacted] Kindly provide additional cure of [redacted] in order to cure the exception. The cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-07-08): PC CD and payment history showing PR cure uploaded.<br>Reviewer Comment (2025-06-18): [redacted] received rebuttal that settlement fee of[redacted] should be included in [redacted] % but, the fee was not charged at closing (fee not on Final CD dated [redacted]. Also, The file does not contain a Settlement Service Providers List. The [redacted] is necessary to determine the tolerance and whether the borrower shopped for services.<br>Buyer Comment (2025-06-17): Settlement fee of [redacted] disclosed and located on initial and all LE's and all CD's until the day before consummation should be included in [redacted] fee bucket making the [redacted]% bucket amount [redacted]. Therefore the required cure is [redacted] plus the 0% fee of the [redacted]5 credit report. Totaling [redacted] required to be cured. Reference [redacted]closing disclosure to see lender credit of[redacted] for costs above legal limit. |  | 07/24/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 349 (redacted) |  | 34609710 |  | 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 initial LE but $[redacted]was disclosed on Closing disclosure. Sufficient Cure was not provided on file. |  |  |  | Reviewer Comment (2025-06-18): 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 (2025-06-17): Settlement fee of [redacted] disclosed and located on initial and all LE's and all CD's until the day before consummation should be included in [redacted] fee bucket making the [redacted] bucket amount [redacted] with the limit of [redacted] Therefore the required cure is [redacted] plus the [redacted] % fee of the [redacted] credit report. Totaling [redacted] required to be cured. Reference [redacted] closing disclosure to see lender credit of [redacted] for costs above legal limit. |  | 06/18/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 350 (redacted) |  | 34609717 |  | 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 50(a)(6): Unable to test refinance within twelve ([redacted]) month period due to missing documentation. |  |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-17): [redacted] home equity notice<br>Buyer Comment (2025-06-17): [redacted] c/o notice concerning extensions of credit uploaded<br>Buyer Comment (2025-06-16): [redacted] C/O | 06/18/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 350 (redacted) |  | 34609718 |  | 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 disclosed an Amount Financed in the amount of $[redacted]while the calculated Amount Financed is $[redacted], there is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): corrected signed [redacted] forms<br>Reviewer Comment (2025-07-10): Upon review of cure documents we find the LOE, PCCD, and copy of refund check acceptable. The RTC seems to indicate a receipt date after the ability to cancel the transaction has expired. Because this is a material exception on a rescindable transaction, the borrower has to have [redacted] to rescind the transaction. Please provide RTC with an expiration date at least [redacted] after the document would be received by the consumer, and [redacted] will re-examine for cure.<br>Buyer Comment (2025-07-09): cure check, [redacted] label for cure, [redacted] signed and [redacted] label for delivery and cover letter<br>Reviewer Comment (2025-06-18): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: 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] |  | 07/15/2025 |  | 2 C B |  | TX | 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) | 350 (redacted) |  | 34609719 |  | 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 Charges are $[redacted]. Due Diligence Finance Charges are $[redacted]. There is a variance of $[redacted]. |  |  |  | Reviewer Comment (2025-07-15): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-14): corrected signed [redacted]<br>Reviewer Comment (2025-07-10): Upon review of cure documents we find the LOE, PCCD, and copy of refund check acceptable. The RTC seems to indicate a receipt date after the ability to cancel the transaction has expired. Because this is a material exception on a rescindable transaction, the borrower has to have [redacted] days to rescind the transaction. Please provide RTC with an expiration date at least [redacted] days after the document would be received by the consumer, and [redacted] will re-examine for cure<br>Buyer Comment (2025-07-09): cure check, [redacted] label for cure, [redacted] signed and [redacted] label for delivery<br>Reviewer Comment (2025-06-18): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: 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] |  | 07/15/2025 |  | 2 C B |  | TX | 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) | 350 (redacted) |  | 34609720 |  | 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]. 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 (2025-06-18): [redacted] received PCCD, LOE & payment history for principal reduction of cure.<br>Buyer Comment (2025-06-16): PCCD with cover letter and cure |  | 06/18/2025 |  | 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) | 350 (redacted) |  | 34609721 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-18): Sufficient Cure Provided within [redacted]Days of Closing |  | 06/18/2025 |  | 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) | 351 (redacted) |  | 34609724 |  | 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 (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): FACTA disclosure delivery/receipt | 06/18/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 351 (redacted) |  | 34609726 |  | 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 (2025-06-18): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-06-17): pccd with cover letter in same format as funder cd<br>Reviewer Comment (2025-06-17): [redacted] received PCCD, LOE and payment history for cure of [redacted]but the PCCD provided is of Alternate format and previously all CDs are in standard format (page#[redacted] of CD). Please provide PCCD in correct format to cure this exception.<br>Buyer Comment (2025-06-16): cure and pccd with cover letter |  | 06/18/2025 |  | 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) | 352 (redacted) |  | 34609729 |  | 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. | Waterfall due to Calculated DTI of [redacted]% exceeding guideline limit of [redacted]% resulting in Loan designation discrepancy. |  |  |  | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors.<br>Reviewer Comment (2025-06-13): x<br>Reviewer Comment (2025-06-13): Client elects to waive with compensating factors. | 06/13/2025 |  |  | 1 B A C |  | ME | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 352 (redacted) |  | 34609732 |  | 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. | List of Homeowner Counseling Organizations disclosure is missing in file. |  |  |  | Reviewer Comment (2025-06-13): Disclosure tracking summary | 06/13/2025 |  |  | 1 B A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 352 (redacted) |  | 34609733 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Providers List disclosure is missing. |  |  |  | Reviewer Comment (2025-06-13): Disclosure tracking summary | 06/13/2025 |  |  | 1 A |  | ME | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 352 (redacted) |  | 34609734 |  | 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 ___. | Verified and calculated all income and credit as per provided supporting documents. Calculated DTI of [redacted]% exceeds guideline limit 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>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<br>Miscellaneous | Residual income is greater than [redacted].<br>Low Default Risk due to Equity Position - [redacted] LTV lower than product requirements<br>Excellent Credit Management with FICO [redacted]<br>Low housing ratio [redacted] or less.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. |  |  | 06/13/2025 | 2 B |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 352 (redacted) |  | 34609735 |  | 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 Calculated DTI of [redacted]% exceeding guideline limit of [redacted]%. |  |  |  | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. | 06/13/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 352 (redacted) |  | 34609736 |  | 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 1026.43(c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall due to Calculated DTI of [redacted]% exceeding guideline limit 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>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<br>Miscellaneous | Residual income is greater than [redacted].<br>Low Default Risk due to Equity Position - [redacted] LTV lower than product requirements<br>Excellent Credit Management with FICO [redacted]<br>Low housing ratio [redacted] or less.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. |  |  | 06/13/2025 | 2 B |  | ME | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 353 (redacted) |  | 34609739 |  | 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 (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 354 (redacted) |  | 34609745 |  | 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 (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Non QM | Yes |
| (redacted) | 354 (redacted) |  | 34609747 |  | 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 ___. | Guideline maximum LTV for a cash out credit grade {redacted} is [redacted]% and subject loan LTV is [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>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>Miscellaneous<br>Miscellaneous | [redacted] years on job.<br>Residual income > $[redacted].<br>Low housing ratio of [redacted]% or less.<br>Total monthly payment savings of $[redacted] or more per month. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-08-14): Lender exception with compensating factors. |  |  | 08/14/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | A B | Non QM | Non QM | No |
| (redacted) | 355 (redacted) |  | 34609748 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): Please see Proof of appraisal been delivered to borrower on [redacted] | 06/18/2025 |  |  | 1 B A |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 356 (redacted) |  | 34609751 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent is Missing, |  |  |  | Reviewer Comment (2025-06-19): Cleared.<br>Buyer Comment (2025-06-17): Tax Payer Consent Uploaded | 06/19/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 356 (redacted) |  | 34609755 |  | 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. | File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2025-06-18): [redacted] received PCCD, LOE and payment history for principal reduction of cure<br>Buyer Comment (2025-06-17): PC CD, Cover Letter and Payment History uploaded |  | 06/18/2025 |  | 2 C B |  | NJ | 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) | 356 (redacted) |  | 34609756 |  | 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 (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): Uploaded documents show e-delivery and receipt to borrower of appraisals on[redacted] | 06/27/2025 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 356 (redacted) |  | 34609757 |  | 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 (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): Uploaded documents show e-delivery and receipt to borrower of appraisals on [redacted]<br>Buyer Comment (2025-06-26): Uploaded documents show e-delivery and receipt to borrower of appraisals on[redacted] | 06/27/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 356 (redacted) |  | 34609758 |  | 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 (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): Uploaded documents show e-delivery and receipt to borrower of appraisals on [redacted] | 06/27/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 356 (redacted) |  | 34609759 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-06-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/18/2025 |  | 1 A |  | NJ | 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) | 356 (redacted) |  | 34609760 |  | 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. |  |  |  |  | Reviewer Comment (2025-06-27): Documents received, system cleared. | 06/27/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 357 (redacted) |  | 34609764 |  | 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. | Insufficient or no cure was provided to the borrower for [redacted] percent fee tolerance exceeded for Credit report Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  | Reviewer Comment (2025-06-18): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-06-17): pccd with cover letter<br>Reviewer Comment (2025-06-17): [redacted] received PCCD, LOE and payment history for cure of [redacted] but the PCCD provided is of Alternate format and previously all CDs are in standard format (page#3 of CD). Please provide PCCD in correct format to cure this exception.<br>Buyer Comment (2025-06-16): cure and pccd with cover letter |  | 06/18/2025 |  | 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) | 358 (redacted) |  | 34609765 |  | 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 that borrower received a copy of appraisal dated [redacted] at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): Please see proof of appraisal been delivered to bwr on [redacted] | 06/18/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609766 |  | 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. | No evidence that borrower received a copy of appraisal dated [redacted] at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): Please see proof of appraisal been delivered to bwr on [redacted] | 06/18/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609767 |  | 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 at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): Please see proof of appraisal been delivered to bwr on [redacted] | 06/18/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609769 |  | 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 50(a)(6): Unable to test refinance within [redacted]([redacted]) month period due to missing documentation. |  |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-17): Please see Notice Concerning Extension of Credit Section [redacted], Article XVI attached signed and dated by bwr. | 06/18/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609770 |  | 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 - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 358 (redacted) |  | 34609773 |  | 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. | Borrower does not meet the reserve requirement of [redacted] months. Verified reserves [redacted]months. |  |  |  | Reviewer Comment (2025-09-02): Lender exception with compensating factors, system cleared. | 09/02/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 358 (redacted) |  | 34609774 |  | 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.) | Borrower does not meet the reserve requirement of [redacted] months. Verified reserves [redacted]months. |  |  |  | Reviewer Comment (2025-09-02): Lender exception with compensating factors, system cleared. | 09/02/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609775 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet the reserve requirement of [redacted] months. Verified reserves [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 | Borrower has verified disposable income of at least $[redacted].<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609776 |  | 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 does not meet the reserve requirement of [redacted] months. Verified reserves [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 | Borrower has verified disposable income of at least $[redacted].<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 358 (redacted) |  | 34609777 |  | 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. | Borrower does not meet the reserve requirement of [redacted] months. Verified reserves [redacted]months. |  |  |  | Reviewer Comment (2025-09-02): Lender exception with compensating factors, system cleared. | 09/02/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 359 (redacted) |  | 34609778 |  | 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 (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): See uploaded document verifying delivery and receipt of appraisal.<br>Reviewer Comment (2025-06-19): Missing acknowledgement by borrower of receipt of a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-06-17): appraisal proving delivery of appraisal to borrower uploaded. | 06/27/2025 |  |  | 1 B A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 359 (redacted) |  | 34609781 |  | 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 (2025-06-18): [redacted] received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-06-17): PC CD and payment history uploaded |  | 06/18/2025 |  | 2 C B |  | MO | 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) | 359 (redacted) |  | 34609784 |  | 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 (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): See uploaded document verifying delivery and receipt of appraisal.<br>Reviewer Comment (2025-06-19): Missing acknowledgement by borrower of receipt of a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-06-17): appraisal proving delivery of appraisal to borrower uploaded. | 06/27/2025 |  |  | 1 B A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 359 (redacted) |  | 34609785 |  | 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. | No documentation in the file to evidence borrower was provided with a copy of valuation ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): See uploaded document verifying delivery and receipt of appraisal.<br>Reviewer Comment (2025-06-19): Missing acknowledgement by borrower of receipt of a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-06-17): appraisal proving delivery of appraisal to borrower uploaded. | 06/27/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 359 (redacted) |  | 34609786 |  | 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 documentation in the file to evidence borrower was provided with a copy of valuation ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): See uploaded document verifying delivery and receipt of appraisal.<br>Reviewer Comment (2025-06-19): Missing acknowledgement by borrower of receipt of a copy of valuation [redacted] ([redacted]) business days prior to consummation.<br>Buyer Comment (2025-06-17): appraisal proving delivery of appraisal to borrower uploaded. | 06/27/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 359 (redacted) |  | 34609787 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-18): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/18/2025 |  | 1 A |  | MO | 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) | 360 (redacted) |  | 34609790 |  | 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 - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Title - Document Preparation Fee was not disclosed on initial LE but $[redacted]was disclosed on Closing disclosure. Sufficient Cure was provided on file. |  |  |  | Reviewer Comment (2025-06-12): Sufficient Cure Provided At Closing |  | 06/12/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 360 (redacted) |  | 34609792 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum Fico score [redacted]is requirement Representative FICO score of [redacted]is less | 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 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<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Qualifying ratios of [redacted] or less<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-13): Lender Exception with Compensating Factors. |  |  | 06/13/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 360 (redacted) |  | 34609793 |  | 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 (2025-06-18): Documents received, system cleared.<br>Buyer Comment (2025-06-17): initial appraisal report, appraisal delivery/receipt, revised appraisal, appraisal delivery/receipt uploaded | 06/18/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 360 (redacted) |  | 34609794 |  | 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 (2025-06-18): Documents received, system cleared.<br>Buyer Comment (2025-06-17): initial/revised appraisal reports and sure receipts | 06/18/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 360 (redacted) |  | 34609795 |  | 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 (2025-06-18): Documents received, system cleared.<br>Buyer Comment (2025-06-17): initial/revised appraisal reports and sure receipts | 06/18/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 361 (redacted) |  | 34609798 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Initial and final 1003 shows borrower will occupy the property as primary residence. |  |  |  | Reviewer Comment (2025-07-16): Corrected declaration page provided<br>Buyer Comment (2025-07-14): Correct declarations page attached.<br>Reviewer Comment (2025-07-03): Declaration section of application has box checked Yes for will you occupy the property as your [redacted] residence.<br>Buyer Comment (2025-07-01): Final [redacted] shows the subject property as an [redacted] , see attached. Initial [redacted] was mistaken and loan purpose was later corrected. | 07/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| (redacted) | 361 (redacted) |  | 34609799 |  | 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. | No documentation in the file to evidence borrower was provided with a copy of valuation ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Borrower received update electronically on [redacted], see attached. | 07/03/2025 |  |  | 1 B A |  | NY | Investment | Purchase | C A | N/A | N/A | No |
| (redacted) | 362 (redacted) |  | 34609800 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  |  |  |  | Reviewer Comment (2025-06-27): Documents received, system cleared.<br>Buyer Comment (2025-06-26): Could you please review one more time this discrepancy? Our borrower filled BK chapter [redacted], and it was discharged [redacted] which is more than[redacted] months seasoning. see attached documents | 06/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 362 (redacted) |  | 34609802 |  | 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 (2025-07-01): Documents received, system cleared.<br>Buyer Comment (2025-06-30): Please see attached proof of appraisal been delivered to[redacted] | 07/01/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 362 (redacted) |  | 34609804 |  | 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 (2025-06-25): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-06-24): Please see PCCD and Pynmt history attached showing a cure for [redacted] due to increase in Credit report |  | 06/25/2025 |  | 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) | 362 (redacted) |  | 34609805 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 06/25/2025 |  | 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) | 363 (redacted) |  | 34609808 |  | 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 (2025-07-02): 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 (2025-07-01): See attached, pages [redacted] has been cured on this loan. | 07/02/2025 |  |  | 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) | 363 (redacted) |  | 34609811 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a rural property. | 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 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]%. | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Client elects to waive with compensating factors. |  |  | 06/20/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 363 (redacted) |  | 34609812 |  | 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 (2025-07-02): Sufficient Cure Provided At Closing |  | 07/02/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 364 (redacted) |  | 34609814 |  | 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 is missing evidence valuation was received by borrower at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2025-07-02): Approve<br>Reviewer Comment (2025-07-01): EV[redacted] exception. Since loan is a HPML the final appraisal report needs to be delivered to borrower [redacted] days prior to consummation date. Unable to clear exception but you are able to waive exception since it is an [redacted]<br>Buyer Comment (2025-06-30): initial appraisal report uploaded. Prior upload supported delivery of updated report with no material changes, downgrade condition to level [redacted] for delivery after closing<br>Reviewer Comment (2025-06-25): We are missing the appraisal report which was delivered to the borrower on [redacted] Also delivery report for Appraisal report date [redacted] is post dated. Exception remains<br>Buyer Comment (2025-06-24): please see attached evidence updated appraisal report was delivered to borrower. Report was updated to reflect correct apn parcel number, no material changes to value or report. |  |  | 07/02/2025 | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 364 (redacted) |  | 34609815 |  | 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. | 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 (2025-07-01): Documents received, system cleared.<br>Buyer Comment (2025-06-30): initial appraisal report uploaded. Prior upload supported delivery of updated report with no material changes, downgrade condition to level [redacted] for delivery after closing<br>Reviewer Comment (2025-06-25): We are missing the appraisal report which was delivered to the borrower on [redacted]. Also delivery report for Appraisal report date [redacted] is post dated. Exception remains<br>Buyer Comment (2025-06-24): please see attached evidence updated appraisal report was delivered to borrower. Report was updated to reflect correct apn parcel number, no material changes to value or report. | 07/01/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 364 (redacted) |  | 34609816 |  | 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. | File is missing evidence valuation was received by borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-07-01): Documents received, system cleared.<br>Buyer Comment (2025-06-30): initial appraisal report uploaded. Prior upload supported delivery of updated report with no material changes, downgrade condition to level [redacted] for delivery after closing<br>Reviewer Comment (2025-06-25): We are missing the appraisal report which was delivered to the borrower on [redacted]. Also delivery report for Appraisal report date [redacted] is post dated. Exception remains<br>Buyer Comment (2025-06-24): please see attached evidence updated appraisal report was delivered to borrower. Report was updated to reflect correct apn parcel number, no material changes to value or report. | 07/01/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 364 (redacted) |  | 34609818 |  | 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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-25): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-06-24): cure and pccd with cover letter |  | 06/25/2025 |  | 2 C B |  | WI | 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) | 364 (redacted) |  | 34609819 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-25): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/25/2025 |  | 1 A |  | WI | 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) | 364 (redacted) |  | 34609821 |  | 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. |  |  |  |  | Buyer Comment (2025-07-02): Approve<br>Reviewer Comment (2025-07-01): EV[redacted] exception. Since loan is a HPML the final appraisal report needs to be delivered to borrower [redacted] business days prior to consummation date. Unable to clear exception but you are able to waive exception since it is an [redacted] |  |  | 07/02/2025 | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 365 (redacted) |  | 34609823 |  | 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 amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower at closing. No valid COC in file. |  |  |  | Reviewer Comment (2025-07-02): [redacted]received updated COC dated [redacted]<br>Buyer Comment (2025-07-01): updated coc with notes for change in ratios (income calculation updated)<br>Reviewer Comment (2025-06-27): [redacted] received COC dated [redacted] indicates DTI over [redacted] adjustment. We received additional information that changed DTI over [redacted], however, this does not provide sufficient information as to what changed circumstance occurred (as defined under[redacted]that resulted in the loan ratios exceeds and change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2025-06-25): COC, Lock, audit trail and certificate of completion uploaded to support disc point adjustment due to ratios exceeding [redacted] | 07/02/2025 |  |  | 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) | 366 (redacted) |  | 34609826 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted]Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one ([redacted]) business day prior to closing. |  |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Attached confirmation borrowers received the disclosure timely. | 07/03/2025 |  |  | 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) | 366 (redacted) |  | 34609827 |  | 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 (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please see finding [redacted] | 07/03/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609828 |  | 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 (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please see finding [redacted] | 07/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609829 |  | 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 (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Please see attached, [redacted] update was a clerical correction to the assessor parcel number only. Value was not affected, and copy was sent to borrower same day. Please downgrade to grade [redacted] . | 07/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609830 |  | 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 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]%. | [redacted]+ years on job. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] , who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of [redacted] ([redacted]) Compensating<br> Factor from EACH of the Category [redacted] and Category [redacted] lists. Only category [redacted] comp factor provided.<br>Buyer Comment (2025-07-01): This was approved as an exception prior to close. |  |  | 07/15/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609831 |  | 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 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]%. | [redacted]+ years on job. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] , who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of [redacted] ([redacted]) Compensating<br> Factor from EACH of the Category [redacted] and Category [redacted] lists. Only category [redacted] comp factor provided.<br>Buyer Comment (2025-07-01): This was approved as an exception prior to close. |  |  | 07/15/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609832 |  | 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. | Required reserves is [redacted] months and verified [redacted] months and required LTV is [redacted]% and verified LTV is [redacted]%. |  |  |  | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of [redacted] ([redacted]) Compensating<br> Factor from EACH of the Category [redacted] and Category [redacted] lists. Only category [redacted] comp factor provided.<br>Buyer Comment (2025-07-01): See other findings, exceptions were approved prior to close by [redacted] | 07/15/2025 |  |  | 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) | 366 (redacted) |  | 34609833 |  | 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. | Required reserves is [redacted] months and verified [redacted] months and required LTV is [redacted]% and verified LTV is [redacted]%. |  |  |  | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] , who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of [redacted] ([redacted]) Compensating<br> Factor from EACH of the Category A and Category B lists. Only category B comp factor provided.<br>Buyer Comment (2025-07-01): Attached pre-close approval with the comp factor corrected to display what [redacted] reviewed in order to approve. Please apply this to all waterfalls, as well. | 07/15/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609834 |  | 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.) | Required reserves is [redacted] months and verified [redacted] months and required LTV is [redacted]% and verified LTV is [redacted]%. |  |  |  | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] , who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of [redacted] (1) Compensating<br> Factor from EACH of the Category A and Category B lists. Only category B comp factor provided.<br>Buyer Comment (2025-07-01): Please see [redacted]; waterfall. | 07/15/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609835 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Required reserves is [redacted] months and verified [redacted] months and required LTV is [redacted]% and verified LTV is [redacted]%. |  |  |  | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] , who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of [redacted] Compensating<br> Factor from EACH of the Category A and Category B lists. Only category B comp factor provided.<br>Buyer Comment (2025-07-01): Please see [redacted] ; [redacted] . | 07/15/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609836 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Required reserves is [redacted] months and verified [redacted] months and required LTV is [redacted]% and verified LTV is [redacted]%. |  |  |  | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors, system cleared.<br>Buyer Comment (2025-07-14): The exception was approved by [redacted] who is not subject to the standard requirements for exceptions.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of one (1) Compensating<br> Factor from EACH of the Category A and Category B lists. Only category B comp factor provided.<br>Buyer Comment (2025-07-01): Please see [redacted]; waterfall. | 07/15/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 366 (redacted) |  | 34609838 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [redacted]Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): Attached is the [redacted] CD signed same day by the borrowers.<br>Reviewer Comment (2025-07-15): This exception is slightly different, it says there was no waiver. We see a CD issued [redacted] however the tracking reports it was not received until [redacted], which was not 1 day prior to closing. Do you have evidence of receipt at least [redacted] day prior to closing?<br>Buyer Comment (2025-07-14): This appears to be a duplicate/waterfall of finding [redacted]. If not, please clarify what else is required. | 07/17/2025 |  |  | 1 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) | 367 (redacted) |  | 34609842 |  | 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. | Business in existence for less than [redacted] years. |  |  |  | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. | 06/20/2025 |  |  | 1 B A C |  | NM | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 367 (redacted) |  | 34609843 |  | 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.) | Business in existence for less than [redacted] years. |  |  |  | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. | 06/20/2025 |  |  | 1 C A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 367 (redacted) |  | 34609844 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business in existence for less than [redacted] years. | 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 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 | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]+<br>Substantial cash reserves. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 367 (redacted) |  | 34609845 |  | 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. | Business in existence for less than [redacted] years. |  |  |  | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. | 06/20/2025 |  |  | 1 C A |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 368 (redacted) |  | 34609847 |  | 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 document is missing from file. |  |  |  | Buyer Comment (2025-06-25): accept |  |  | 06/25/2025 | 2 B |  | CA | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes |
| (redacted) | 368 (redacted) |  | 34609849 |  | 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. | 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 (2025-07-03): [redacted] received initial CD.<br>Buyer Comment (2025-07-02): Initial CD issued [redacted]uploaded<br>Reviewer Comment (2025-07-01): [redacted] received rebuttal comment. However, CD dated [redacted] & [redacted] is located in file and missing [redacted]CD. Please provide the [redacted] CD with proof of receipt for testing.<br>Buyer Comment (2025-06-30): If the disclosures provided under [redacted]do not contain the actual terms of the transaction, the creditor does not violate[redacted] if the creditor provides corrected disclosures that contain the actual terms of the transaction and complies with the other requirements of [redacted] assuming that the corrected disclosures are also provided at or before consummation, under §[redacted]<br> If this explanation does not suffice, we would like to escalate higher. Our compliance team is willing to get on a call as well. <br>Initial CD provided [redacted], received by borrower [redacted] (more than [redacted] business days before). No change to APR, product, or PPP that would require a new waiting period and the CD is considered accurate under Reg Z. All of the fees that changed were controlled by the escrow agent, and all of them decreased, which is in the borrower's favor. It is also permissible under federal law to issue a post-consummation CD to redisclose any changes that occurred after closing.<br>Reviewer Comment (2025-06-26): [redacted](f)(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. This is a timing exception with no visible cure.<br>Buyer Comment (2025-06-25): the intial CD was issued [redacted], and there was no change to the APR greater than[redacted] no hange to the loan program, and no added prepayment penalty. Waiver not required. | 07/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 368 (redacted) |  | 34609850 |  | 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 from file. |  |  |  | Reviewer Comment (2025-06-26): [redacted] received LE.<br>Buyer Comment (2025-06-25): Loan estimate uploaded. | 06/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 368 (redacted) |  | 34609852 |  | 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. | No [redacted] was located in the loan file to explain the increase in fee. |  |  |  | Reviewer Comment (2025-07-03): [redacted] received a valid COC.<br>Buyer Comment (2025-07-02): LE for [redacted] in ref to the D0412 COC uploaded.<br>Reviewer Comment (2025-07-01): [redacted] received a changed circumstance dated [redacted]. but there is no LE/CD dated within that time frame. Provide any missing LE/CD to associate with the changed circumstance dated [redacted] or provide changed circumstance for the final CD dated [redacted] or cure is required.<br>Buyer Comment (2025-06-30): Reason for fee increase is valid COC for rate lock. See disclosure tracking reasons form uploaded. | 07/03/2025 |  |  | 1 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) | 368 (redacted) |  | 34609853 |  | 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 [redacted] was located in the loan file to explain the increase in fee. |  |  |  | Reviewer Comment (2025-07-01): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-06-30): PC CD and payment history for credit report cure uploaded |  | 07/01/2025 |  | 2 B |  | 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) | 368 (redacted) |  | 34609854 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-07-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 07/03/2025 |  | 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) | 368 (redacted) |  | 34609855 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. | [redacted] received [redacted] LE without receipt. Please provide documentation of receipt if available. Since borrower should receive LE [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-07-11): [redacted] Received Disclosure tracking showing borrower received the LE on [redacted]<br>Buyer Comment (2025-07-10): Borrower received revised LE [redacted], closing took place [redacted].See uploaded disclosure tracking | 07/11/2025 |  |  | 1 A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 368 (redacted) |  | 34609856 |  | 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. | [redacted] received [redacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted]. [redacted] is day [redacted], [redacted] is day [redacted]. Please provide documentation if the CD was received [redacted] (day [redacted]) or earlier for review. |  |  |  | Reviewer Comment (2025-07-11): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Buyer Comment (2025-07-10): This exception shows cleared already, as [redacted]initial CD was provided. | 07/11/2025 |  |  | 1 A |  | CA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 368 (redacted) |  | 34609857 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-07-18): Documents received, system cleared.<br>Buyer Comment (2025-07-16): E-Consent uploaded | 07/18/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 369 (redacted) |  | 34609858 |  | 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. |  |  |  |  |  | Reviewer Comment (2025-06-25): Final Title policy document received. - Exception cleared<br>Buyer Comment (2025-06-24): Please see final tittle policy insurance attached showing a coverage amount for [redacted] | 06/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 369 (redacted) |  | 34609859 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-06-25): Final Title policy document received. - Exception cleared | 06/25/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 369 (redacted) |  | 34609862 |  | 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]. A valid COC or cure was not provied. |  |  |  | Reviewer Comment (2025-06-24): [redacted] received Letter of Explanation, Principal reduction and Corrected CD.<br>Buyer Comment (2025-06-23): Please see PCCD & Pymt history attached showing a cure for [redacted] due to increase in Credit report fee |  | 06/24/2025 |  | 2 C B |  | 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) | 369 (redacted) |  | 34609863 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-06-24): Sufficient Cure Provided within [redacted] Days of Closing |  | 06/24/2025 |  | 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) | 370 (redacted) |  | 34609865 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease Agreement for property # [redacted]not provided. |  |  |  | Reviewer Comment (2025-07-08): Rental income for this property no longer being used to qualify.<br>Buyer Comment (2025-07-03): removed rental income from qualifying | 07/08/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 370 (redacted) |  | 34609867 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Hazard Insurance Policy Effective Date [redacted], Disbursement Date: [redacted] Hazard Insurance Policy Effective Date is after the note or transaction date. |  |  |  | Reviewer Comment (2025-07-08): Corrected hazard policy provided<br>Buyer Comment (2025-07-03): dec page with effective date [redacted] | 07/08/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 370 (redacted) |  | 34609868 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] [redacted] Prepayment Penalty Test [redacted] Investment Test | [redacted] SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  | Buyer Comment (2025-07-09): accept grade [redacted]<br>Reviewer Comment (2025-07-08): Language verified on deed of trust and note addendum and exception downgraded to EV[redacted]<br>Buyer Comment (2025-07-07): rider to deed of trust and note addendum include verbiage noted on [redacted]investment test |  |  | 07/09/2025 | 2 B |  | MD | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 370 (redacted) |  | 34609869 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lease Agreement for property # [redacted]not provided. |  |  |  | Reviewer Comment (2025-07-08): Rental income for this property no longer being used to qualify.<br>Buyer Comment (2025-07-03): updated [redacted]and [redacted]with rental income removed from qualifying | 07/08/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 370 (redacted) |  | 34609870 |  | 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 (2025-07-08): Waived per client request.<br>Buyer Comment (2025-07-07): please see initial appraisal report and delivery along with revised report delivery emailed to borrower. Reported value did not change, please allow exception grade [redacted] for delivery after closing due to no change in value. |  |  | 07/08/2025 | 2 B |  | MD | Investment | Purchase | C B A | Exempt from ATR | N/A | No |
| (redacted) | 371 (redacted) |  | 34609874 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-07-07): Coverage amount covering the loan amount, Exception cleared.<br>Buyer Comment (2025-07-03): policy support subject loan amount, coverage is sufficient. please clarify what coverage is required if additional coverage over loan amount is requested | 07/07/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| (redacted) | 371 (redacted) |  | 34609875 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): initial appraisal report with delivery and delivery of updated report | 07/08/2025 |  |  | 1 B A |  | NC | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| (redacted) | 371 (redacted) |  | 34609876 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural property not permitted. | 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 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. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| (redacted) | 371 (redacted) |  | 34609877 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property exceeds max acreage allowed per 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 reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<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. | [redacted]+ years on job.<br>Residual income is greater than $[redacted].<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Qualifying ratios of [redacted] or less.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| (redacted) | 373 (redacted) |  | 34609883 |  | 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 (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 373 (redacted) |  | 34609886 |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Home Loan Toolkit Timing | [redacted] Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within ([redacted]) business days of application. | Home Loan Toolkit not provided to borrower within ([redacted]) business days of application. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): disclosure delivered prior to closing | 07/08/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 374 (redacted) |  | 34609889 |  | 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 Monitoring Service. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 375 (redacted) |  | 34609892 |  | 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. | Lender named on Appraisal differs from Lender on Note, associated received appraisal transfer letter |  |  |  | Reviewer Comment (2025-09-05): Documents received, system cleared.<br>Buyer Comment (2025-08-29): Transfer letter attached.<br>Reviewer Comment (2025-07-16): Missing appraisal transfer letter and AIR appraisal.<br>Buyer Comment (2025-07-14): The transfer letter should resolve this finding entirely, correct? | 09/05/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609894 |  | 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]. Lender Exception provided however compensating factors were not compelling, please provide additional compensating factors for all of the exceptions being granted. | 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>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>Low default risk with substantial equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-16): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-14): Added category A comp factor for extremely low LTV, nearly [redacted]below maximum allowed. |  |  | 07/16/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609895 |  | 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. | 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 (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 375 (redacted) |  | 34609896 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unverifiable mortgage payment history. Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted] . Lender Exception provided however compensating factors were not compelling, please provide additional compensating factors for all of the exceptions being granted. | 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>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>Low default risk with substantial equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-16): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-14): Please see updated exception attached to finding [redacted] |  |  | 07/16/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609897 |  | 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 in file are insufficient to satisfy the reserve requirement. Representative FICO score of [redacted] is less than Guideline representative FICO score of [redacted]. Lender Exception provided however compensating factors were not compelling, please provide additional compensating factors for all of the exceptions being granted. | 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>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<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Additional income received [redacted]+ year not included in ratios<br>Potential for increased earnings. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-08-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-08-05): Additional exception approved with two additional compensating factors, please see attached for explanation.<br>Reviewer Comment (2025-07-16): Lender exception with comp factors provided but insufficient reserves exception request states [redacted] months required and [redacted] months verified but there is only[redacted] months verified. Lender using [redacted] (end of [redacted] stmt) for [redacted] #[redacted]and verified is [redacted] (end of [redacted] stmt).<br>Buyer Comment (2025-07-14): Please see updated exception attached to finding [redacted]. |  |  | 08/08/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609898 |  | 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 borrower having insufficient assets to satisfy reserve requirements and borrower's FICO being below the minimum guideline requirement. |  |  |  | Reviewer Comment (2025-08-08): Lender Exception with Compensating Factors, system cleared.<br>Reviewer Comment (2025-07-16): Lender exception with comp factors provided but insufficient reserves exception request states [redacted] months required and [redacted] months verified but there is only [redacted] months verified. Lender using [redacted] (end of [redacted] stmt) for [redacted] #[redacted]and verified is [redacted] (end of [redacted] stmt).<br>Buyer Comment (2025-07-14): Please see updated exception attached to finding [redacted]. | 08/08/2025 |  |  | 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) | 375 (redacted) |  | 34609899 |  | 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. | Borrower's assets are insufficient to cover the reserve requirement and borrower's FICO is less than the guideline minimum. |  |  |  | Reviewer Comment (2025-08-08): Lender Exception with Compensating Factors, system cleared.<br>Reviewer Comment (2025-07-16): Lender exception with comp factors provided but insufficient reserves exception request states [redacted] months required and [redacted]months verified but there is only .[redacted]months verified. Lender using [redacted] (end of [redacted] stmt) for [redacted] #[redacted]and verified is [redacted] (end of [redacted] stmt).<br>Buyer Comment (2025-07-14): Please see updated exception attached to finding [redacted]. | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609900 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower doees not meet the reserves requirements. | 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>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<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Additional income received [redacted]+ year not included in ratios<br>Potential for increased earnings. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-08-08): Lender Exception with Compensating Factors.<br>Reviewer Comment (2025-07-16): Lender exception with comp factors provided but insufficient reserves exception request states [redacted] months required and [redacted] months verified but there is only [redacted] months verified. Lender using [redacted] (end of [redacted] stmt) for [redacted] [redacted] and verified is [redacted] (end of [redacted] stmt).<br>Buyer Comment (2025-07-14): Please see updated exception attached to finding [redacted]. |  |  | 08/08/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609901 |  | 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 (2025-07-16): Documents received, system cleared.<br>Buyer Comment (2025-07-14): Please see finding [redacted]. | 07/16/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609902 |  | 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. | No documentation in the file to evidence borrower was provided with a copy of valuation ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-16): Documents received, system cleared.<br>Buyer Comment (2025-07-14): Please see finding [redacted]. | 07/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609903 |  | 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 documentation in the file to evidence borrower was provided with a copy of valuation ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-16): Documents received, system cleared.<br>Reviewer Comment (2025-07-15): Appraisal delivery receipt is missing for [redacted] - Exception Remains.<br>Buyer Comment (2025-07-14): Attached evidence update was sent[redacted] | 07/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 375 (redacted) |  | 34609904 |  | 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.) | Borrower does not meet the reserves requirements. |  |  |  | Reviewer Comment (2025-08-08): Lender Exception with Compensating Factors, system cleared.<br>Reviewer Comment (2025-07-16): Lender exception with comp factors provided but insufficient reserves exception request states [redacted]months required and [redacted] months verified but there is only .[redacted]months verified. Lender using [redacted] (end of [redacted] stmt) for [redacted] [redacted] and verified is [redacted] (end of [redacted] stmt).<br>Buyer Comment (2025-07-14): Please see updated exception attached to finding [redacted]. | 08/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 376 (redacted) |  | 34609907 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Buyer Comment (2025-07-10): Approve<br>Reviewer Comment (2025-07-08): Exception remains an EV[redacted]. Proof appraisal provided to borrower on [redacted] is not [redacted] days prior to consummation date plus no verification borrower received appraisal on [redacted] so when you add mailing time projected appraised receipt date is [redacted]<br>Buyer Comment (2025-07-03): Attached |  |  | 07/10/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 377 (redacted) |  | 34609913 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | [redacted] HPML Disclosure is missing in the file. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Disclosure uploaded. | 07/08/2025 |  |  | 1 B A |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 377 (redacted) |  | 34609914 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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 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 (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Disclosure uploaded. | 07/08/2025 |  |  | 1 B A |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 377 (redacted) |  | 34609915 |  | 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 (2025-07-01): Sufficient Cure Provided At Closing |  | 07/01/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 378 (redacted) |  | 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) | 378 (redacted) |  | 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) | 379 (redacted) |  | 34609924 |  | 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. |  |  |  | Reviewer Comment (2025-07-09): Documents received, system cleared<br>Buyer Comment (2025-07-07): Appraisal proof of delivery uploaded. | 07/09/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 379 (redacted) |  | 34609925 |  | 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. |  |  |  | Reviewer Comment (2025-07-09): Documents received, system cleared<br>Buyer Comment (2025-07-07): Appraisal proof of delivery uploaded. | 07/09/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 379 (redacted) |  | 34609926 |  | 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 (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 381 (redacted) |  | 34609930 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-07-07): Fraud Report document provided and associated. Exception cleared<br>Buyer Comment (2025-07-03): FG uploaded. | 07/07/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 382 (redacted) |  | 34609936 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-07): CU score is [redacted] which meet the requirement. Exception cleared<br>Buyer Comment (2025-07-03): Please see image [redacted], CU with a score of [redacted] and meets guideline requirements. | 07/07/2025 |  |  | 1 D A |  | WY | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 382 (redacted) |  | 34609939 |  | 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 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. | Residual income is greater than $[redacted].<br>Substantial cash reserves. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-30): Client elects to waive with compensating factors. |  |  | 06/30/2025 | 2 B |  | WY | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609944 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Copies of the borrower's passport and unexpired visa or valid employment authorization document is required. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Requirements are ITIN letter and unexpired government ID with photo, all of which are attached for all borrowers. | 07/08/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609945 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | Copies of the borrower's passport and unexpired visa or valid employment authorization document is required. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Please see finding [redacted]. | 07/08/2025 |  |  | 1 B A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609946 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Copies of the borrower's passport and unexpired visa or valid employment authorization document is required. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Please see finding [redacted]. | 07/08/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609948 |  | 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 (2025-07-14): . |  |  | 07/14/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609949 |  | 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 intial escrow payment as $[redacted], Final CD reflects $[redacted]. |  |  |  | Buyer Comment (2025-07-15): Approve<br>Reviewer Comment (2025-07-15): The initial payment on final CD ([redacted] which the same as the monthly escrow payment and the initial payment on initial escrow account disclosure statement is[redacted]<br>Buyer Comment (2025-07-14): Escrow Disclsoure shows payment of [redacted], see bottom of page [redacted]. Initial deposit/balance is distinct from payment. |  |  | 07/15/2025 | 2 B |  | MD | 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) | 384 (redacted) |  | 34609950 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2025-07-14): . |  |  | 07/14/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609951 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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 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]%. |  |  |  | Buyer Comment (2025-07-14): . |  |  | 07/14/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 384 (redacted) |  | 34609952 |  | 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 (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 385 (redacted) |  | 34609955 |  | 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. | Disclosure reflects Total of Payments of $[redacted]but calculated Total of Payments of $[redacted]. Variance = $[redacted]. |  |  |  | Reviewer Comment (2025-07-16): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-07-15): [redacted]delivery of [redacted] form and cure check with signed [redacted] and cure check |  | 07/16/2025 |  | 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 equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 385 (redacted) |  | 34609956 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non - warrantable condo. Lender Exception provided however no compensating factors were listed. | 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 | Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-07): Non-agency loan approval with comp factor and comments on transaction<br>Buyer Comment (2025-07-03): [redacted] approval of non-warrantable condo project |  |  | 07/08/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 386 (redacted) |  | 34609959 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax Verification. |  |  |  | Reviewer Comment (2025-07-10): REO document provided for RV rent.<br>Reviewer Comment (2025-07-08): Exception remains. Need Tax verification document for REO property at [redacted]John Morris Rd.<br>Buyer Comment (2025-07-07): [redacted] Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded<br>Buyer Comment (2025-07-07): [redacted][redacted] Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded | 07/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 386 (redacted) |  | 34609961 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing Tax Verification for REO # [redacted]. |  |  |  | Reviewer Comment (2025-07-10): REO document provided for RV rent.<br>Reviewer Comment (2025-07-08): Exception remains. Need Tax verification document for REO property at [redacted] Rd.<br>Buyer Comment (2025-07-07): [redacted] Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded | 07/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 386 (redacted) |  | 34609962 |  | 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 designantion discrepancy due to missing Tax Verification for REO # [redacted]. |  |  |  | Reviewer Comment (2025-07-10): REO document provided, system cleared.<br>Reviewer Comment (2025-07-09): Previous provided Zillow search shows a photo of a 2 bedroom 2 bath manufactured home and is not a vacant lot. Still need verification of taxes for this property. Monthly RV rent of $[redacted]received but still need clarification of manufactured home on RV lot.<br>Buyer Comment (2025-07-07): [redacted] Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded<br>Buyer Comment (2025-07-07): [redacted]s Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded | 07/10/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 386 (redacted) |  | 34609963 |  | 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 Tax Verification for REO # [redacted]. |  |  |  | Reviewer Comment (2025-07-10): REO document provided, system cleared.<br>Reviewer Comment (2025-07-09): Previous provided Zillow search shows a photo of a [redacted]bedroom [redacted]bath manufactured home and is not a vacant lot. Still need verification of taxes for this property. Monthly RV rent of $[redacted]received but still need clarification of manufactured home on RV lot.<br>Buyer Comment (2025-07-07): [redacted] Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded<br>Buyer Comment (2025-07-07): [redacted]s Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded | 07/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 386 (redacted) |  | 34609964 |  | 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 Tax Verification for REO # [redacted]. |  |  |  | Reviewer Comment (2025-07-10): REO document provided, system cleared.<br>Reviewer Comment (2025-07-09): Previous provided Zillow search shows a photo of a [redacted]bedroom [redacted]bath manufactured home and is not a vacant lot. Still need verification of taxes for this property. Monthly RV rent of $[redacted]received but still need clarification of manufactured home on RV lot.<br>Buyer Comment (2025-07-07): [redacted] Rd is not real property, borrower owns RV and rents lot which RV sits on, see documents for RV attached including LOE no insurance, ledger for lot rent included in payment and Zillow search of RV lot uploaded | 07/10/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 387 (redacted) |  | 34609968 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Assignee Disclosure | [redacted] High-Cost Loan: Mandatory purchaser/assignee disclosure not contained on document that creates debt or pledges property as collateral. |  |  |  |  | Reviewer Comment (2025-07-23): Invoices provided for third party fees. Loan no longer exceeds high cost after offset.<br>Buyer Comment (2025-07-17): Invoices for third party fees uploaded. | 07/23/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 387 (redacted) |  | 34609969 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Rhode Island High-Cost Loan (High Cost Disclosure Not Provided) | [redacted] High-Cost Loan: High-Cost Home Loan Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2025-07-23): Invoices provided for third party fees. Loan no longer exceeds high cost after offset.<br>Buyer Comment (2025-07-17): Invoices for third party fees uploaded. | 07/23/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 387 (redacted) |  | 34609970 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Home Loan Protection Act Counseling Received | [redacted] High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction. |  |  |  |  | Reviewer Comment (2025-07-23): Invoices provided for third party fees. Loan no longer exceeds high cost after offset.<br>Buyer Comment (2025-07-17): Invoices for third party fees uploaded. | 07/23/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 387 (redacted) |  | 34609971 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Home Loan Protection Act Disclosure | [redacted] High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification. |  |  |  |  | Reviewer Comment (2025-07-23): Invoices provided for third party fees. Loan no longer exceeds high cost after offset.<br>Buyer Comment (2025-07-17): Invoices for third party fees uploaded. | 07/23/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 387 (redacted) |  | 34609972 |  | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) Rhode Island Late Charge | [redacted] High-Cost Loan: Loan contains an impermissible late charge. | Loan contains an impermissible late charge. |  |  |  | Reviewer Comment (2025-07-23): Invoices provided for third party fees. Loan no longer exceeds high cost after offset.<br>Buyer Comment (2025-07-17): Invoices for third party fees uploaded. | 07/23/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. B A | Non QM | Non QM | No |
| (redacted) | 387 (redacted) |  | 34609973 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Rhode Island High-Cost Loan (Points and Fees) | [redacted] Home Loan Protection Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. | [redacted] Home Loan Protection Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-07-23): Invoices provided for third party fees. Loan no longer exceeds high cost after offset.<br>Buyer Comment (2025-07-17): Invoices for third party fees uploaded. | 07/23/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) assuming option 4(a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (6) assuming option 4(b) is selected, proof of cure for each of the prohibited practice violations noted. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| (redacted) | 387 (redacted) |  | 34609975 |  | 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 ___. | Calculated loan to value percentage of [redacted]% exceeds Guideline loan to value percentage 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>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. | [redacted]+ years on job.<br>Residual income is greater than $[redacted]. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-25): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-03): Client elects to waive with compensating factors. |  |  | 08/25/2025 | 2 B |  | RI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 388 (redacted) |  | 34609978 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | Bankruptcy Documents is not provided. |  |  |  | Reviewer Comment (2025-07-08): Bankruptcy Documents received and associated. Exception cleared.<br>Buyer Comment (2025-07-07): Bk Docs uploaded | 07/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 388 (redacted) |  | 34609979 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Reviewer Comment (2025-07-08): Received Appraisal delivery document. Exception cleared.<br>Buyer Comment (2025-07-07): Evidence of borrower receipt of appraisal uploaded. | 07/08/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 388 (redacted) |  | 34609981 |  | 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]. Sufficient cure is required. |  |  |  | Reviewer Comment (2025-07-28): [redacted]Received Corrected PCCD, LOE and Payemnt history.<br>Buyer Comment (2025-07-25): Uploaded updated PCCD showing cure<br>Reviewer Comment (2025-07-25): [redacted]received PCCD, LOE and payment history, however PCCD provided doesn't show principal reduction for cure amount. Please provide corrected PCCD with principal reduction for cure amount.<br>Buyer Comment (2025-07-23): PC CD And payment history uploaded.<br>Reviewer Comment (2025-07-14): [redacted][redacted]% tolerance fees can be re-baseline if cumulative of all fees are over [redacted]% tolerance. Whether an individual estimated charge subject to § [redacted](e)(3)(ii) is in good faith depends on whether the sum of all charges subject to the [redacted]% cumulative tolerance increases by more than [redacted]%, even if a particular charge increases by more than [redacted]%. Provide additional cure of $[redacted]. Cure Docs consists of PCCD, LOE, Refund Check.<br>Buyer Comment (2025-07-10): LE COC form uploaded.[redacted] COC was redisclosed on the[redacted] LE, there was an increase in loan amount that logically resulted in an increase in the lender's title fee, re-setting tolerance. Previous rebuttal remains.<br>Reviewer Comment (2025-07-09): [redacted]received Verified Changed Circumstance ([redacted]) dated [redacted]. In order to re-baseline the [redacted]% fees there need to be an aggregate increase of more than [redacted]% however the increase was less than [redacted]%. Additional cure of $[redacted]is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-07): Disclosure tracking summary shows that there is a COC for rate lock, loan amount change, and settlement charges change. Valid COC resets tolerance for the Lender's Title Insurance fee of $[redacted]to $[redacted]. This increases the [redacted]% bucket baseline to $[redacted], with a maximum of $[redacted]. Actual fees paid of $[redacted]-$[redacted]= $[redacted]. Consummation CD [redacted]shows cure of $[redacted]as lender credits for exceeding limit. |  | 07/28/2025 |  | 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) | 388 (redacted) |  | 34609982 |  | 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 ___. | Calculated investor qualifying disposable income of $[redacted]is less than AUS required disposable income 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 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]%. | Low default risk with substantial equity Position - [redacted]% LTV lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 388 (redacted) |  | 34609983 |  | 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. |  |  |  |  |  | Reviewer Comment (2025-08-08): Documents received, system cleared.<br>Buyer Comment (2025-08-06): Reinspection report uploaded. | 08/08/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 389 (redacted) |  | 34609985 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-15): FNMA CU risk score of [redacted]located under property history report tab<br>Buyer Comment (2025-07-14): CU score is [redacted](less than [redacted]) and LTV is [redacted]% (less than [redacted]%), therefore secondary valuation is not required. | 07/15/2025 |  |  | 1 D A |  | VA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 389 (redacted) |  | 34609988 |  | 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 ___. | Calculated loan to value percentage of [redacted]% exceeds Guideline loan to value percentage of [redacted]%. Lender Exception provided however no compensating factors were listed. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>[redacted]+ years on job.<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors. |  |  | 07/15/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 389 (redacted) |  | 34609989 |  | 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 ___. | Loan amount less than $[redacted]. Lender Exception provided however no compensating factors were listed. | 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>Miscellaneous | Lender Exception with Compensating Factors.<br>[redacted]+ years on job.<br>Low housing ratio [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors. |  |  | 07/15/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 390 (redacted) |  | 34609992 |  | 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 does not meet the 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>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>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]%. | 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>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 390 (redacted) |  | 34609993 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet the 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>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>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]%. | 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>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 390 (redacted) |  | 34609994 |  | 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.) | Insufficient reserves provided. |  |  |  | Reviewer Comment (2025-07-01): Client elects to waive.<br>Reviewer Comment (2025-07-01): Regraded to EV[redacted]-B with senior approval of compensating factors: ([redacted]) Excellent Credit Management with FICO [redacted]+, ([redacted]) Borrower's own funds used for Down payment & closing (No gifts or DPA), ([redacted]) The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum, and ([redacted]) Borrower has verified disposable income of at least $[redacted]. |  |  | 07/01/2025 | 2 C B |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 390 (redacted) |  | 34609995 |  | 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 insufficient reservres provided. |  |  |  | Reviewer Comment (2025-07-01): Loan is Non-QM. | 07/01/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 392 (redacted) |  | 34610001 |  | 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 that borrower received a copy of appraisal at least [redacted] business days to closing. |  |  |  | Buyer Comment (2025-07-09): Accepted<br>Reviewer Comment (2025-07-09): Evidence of delivery to borrower on [redacted] provided however, loan does not document receipt by borrower. Exception is an EV[redacted] which can be elected to waive.<br>Buyer Comment (2025-07-07): Please see proof of appraisal report been delivered to bwr on [redacted]5 which is more than 3 business days from closing. closing date[redacted]<br>Reviewer Comment (2025-07-01): Missing proof borrower received or downloaded appraisal emailed to them on [redacted]. Using mailing time calculation borrower did not received copy of appraisal at least [redacted] days prior to consummation date. |  |  | 07/09/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 393 (redacted) |  | 34610005 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-08): Risk report showing low score of [redacted]. this file is not required a second valuation. Exception cleared<br>Buyer Comment (2025-07-07): Please see Risk report showing low score of 1. this file is not required a second valuation, also see UCDP report showing same risk score. | 07/08/2025 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 393 (redacted) |  | 34610009 |  | 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 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>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income is greater than $[redacted].<br>Qualifying ratios of [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-30): Client elects to waive with compensating factors. |  |  | 06/30/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 393 (redacted) |  | 34610011 |  | 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 meet the reserve requirement of [redacted] months. [redacted] months verified in file. | 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>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]%. | Residual income is greater than $[redacted].<br>Qualifying ratios of [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-25): Lender exception with compensating factors. |  |  | 08/25/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 393 (redacted) |  | 34610012 |  | 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 does not meet the reserve requirement of [redacted] months. [redacted] months verified in file. |  |  |  | Reviewer Comment (2025-08-25): Lender exception with compensating factors, system cleared. | 08/25/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 393 (redacted) |  | 34610013 |  | 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 does not meet the reserve requirement of [redacted] months. [redacted] months verified in file. |  |  |  | Reviewer Comment (2025-08-25): Lender exception with compensating factors, system cleared. | 08/25/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 393 (redacted) |  | 34610014 |  | 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 does not meet the reserve requirement of [redacted] months. [redacted] months verified in file. |  |  |  | Reviewer Comment (2025-08-25): Lender exception with compensating factors, system cleared. | 08/25/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 393 (redacted) |  | 34610015 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The Borrower does not meet the reserve requirement of [redacted] months. [redacted] months verified in file. | 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>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]%. | Residual income is greater than $[redacted].<br>Qualifying ratios of [redacted] or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-25): Lender exception with compensating factors. |  |  | 08/25/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 394 (redacted) |  | 34610019 |  | 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 (2025-06-30): Sufficient Cure Provided At Closing |  | 06/30/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 395 (redacted) |  | 34610021 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2025-07-08): CU score received and updated no secondary valuation required .Exception cleared<br>Buyer Comment (2025-07-07): UCDP with score of [redacted]uploaded, no secondary valuation required | 07/08/2025 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No |
| (redacted) | 395 (redacted) |  | 34610024 |  | 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]% tolerance was exceeded by $[redacted]due to Title - Tax Certificate Fee and Title - Settlement / Closing / Escrow Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-17): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-07-16): PCCD with cover letter and PR<br>Reviewer Comment (2025-07-11): [redacted] Cure require in the amount $[redacted]. Cure docs Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-07-09): please review fees, $[redacted]does not appear to include [redacted]% tolerance. please confirm total cure should be $[redacted]after [redacted]% fees tolerance is applied to total fees |  | 07/17/2025 |  | 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) | 396 (redacted) |  | 34610025 |  | 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 receipt of secondary valuation at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2025-07-10): Approve<br>Reviewer Comment (2025-07-01): Proof of appraisal provided to borrower on [redacted]but no proof when borrower received or opened email for date borrower received appraisal. Calculated date for mail delivery is less than [redacted] days from consummation date. Exception is EV[redacted]. |  |  | 07/10/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 397 (redacted) |  | 34610030 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow for [redacted] NSF's in the last [redacted]months when guidelines only allow for [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 representative FICO score exceeds the guideline minimum by at least [redacted] points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Qualifying ratios of [redacted] or less.<br>Excellent credit management with FICO [redacted]+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Buyer Comment (2025-07-07): Approve<br>Reviewer Comment (2025-07-01): Lender Exception with Compensating Factors. |  |  | 07/07/2025 | 2 B |  | TX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 398 (redacted) |  | 34610031 |  | 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]) business days of application. | Affiliated Business Arrangement Disclosure is not provided to applicant within [redacted]business days of application. |  |  |  | Reviewer Comment (2025-07-10): Disclosure tracking summary<br>Buyer Comment (2025-07-08): Disclosure tracking uploaded showing the borrower was disclosed the ABA disclosure on [redacted]. the borrower failed to open the disclosures, so they were fulfilled by [redacted], MD on [redacted] and presumed to be opened [redacted]. Page [redacted] of the Disclosure Tracking Details shows the [redacted]Affiliated Business Arrangement Disclosure was included in the initial disclosure package. | 07/10/2025 |  |  | 1 B A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 398 (redacted) |  | 34610032 |  | 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]) business days prior to consummation. | Final closing disclosure disclosed a blank APR 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]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-17): [redacted]Received Email Confirmation stating [redacted] CD was not provided to borrower.<br>Buyer Comment (2025-07-16): Attestation from Broker LO that the [redacted] CD was not issued to the customer uploaded.<br>Reviewer Comment (2025-07-02): [redacted] CD [redacted]Is incomplete. Please provide an attestation confirming this is not a consumer CD that was provided to the borrower. | 07/17/2025 |  |  | 1 C A |  | MD | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| (redacted) | 398 (redacted) |  | 34610033 |  | 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]) business days prior to consummation | Closing Disclosure provided on or after [redacted] contains a change in APR from blank to [redacted]% and a complete Closing Disclosure was not received by borrower at least business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-17): [redacted]Received Email Confirmation stating [redacted]CD was not provided to borrower.<br>Buyer Comment (2025-07-16): Attestation from Broker LO that the [redacted]CD was not issued to the customer uploaded.<br>Reviewer Comment (2025-07-09): [redacted]received rebuttal that -[redacted]CD was provided and that is [redacted]days from closing date of [redacted]. However, the[redacted]CD did not have proof of receipt, which timing does not start until the date "received", not date sent, which must be [redacted]business days prior to closing. Would need further proof that CD received on[redacted] as noted, or as the [redacted]CD contained a blank for the APR, a lender attestation clarifying why and if a clerical error occurred and thus there was no change in APR.<br>Buyer Comment (2025-07-08): APR changed on [redacted]from blank to [redacted]%, thus resetting the [redacted]day waiting period. However, the closing took place on [redacted], which is [redacted]days after the change was disclosed. CD's disclosed after [redacted] contained no material change in APR, loan program, or PPP, therefore, the timing meets standard. | 07/17/2025 |  |  | 1 C A |  | MD | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| (redacted) | 398 (redacted) |  | 34610035 |  | 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 $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-07-09): [redacted]received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-07-08): PC CD and Payment History showing PR Cure |  | 07/09/2025 |  | 2 C B |  | MD | 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) | 398 (redacted) |  | 34610038 |  | 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 (2025-07-09): [redacted]received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-07-08): PC CD and Payment History showing PR Cure |  | 07/09/2025 |  | 2 C B |  | MD | 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) | 398 (redacted) |  | 34610039 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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. | Sufficient cure at closing |  |  |  | Reviewer Comment (2025-07-09): Sufficient Cure Provided within 60 Days of Closing |  | 07/09/2025 |  | 1 A |  | MD | 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) | 398 (redacted) |  | 34610040 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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. | Sufficient cure at closing |  |  |  | Reviewer Comment (2025-07-09): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/09/2025 |  | 1 A |  | MD | 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) | 400 (redacted) |  | 34610046 |  | 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 (2025-07-01): Sufficient Cure Provided At Closing |  | 07/01/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 401 (redacted) |  | 34610049 |  | 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. | [redacted]% tolerance was exceeded by $[redacted]due to Credit Report Fee. Specific credit of $[redacted]has been provided as cure at closing. |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | 07/01/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 402 (redacted) |  | 34610051 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within ([redacted]) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2025-07-11): Documents received, system cleared. | 07/11/2025 |  |  | 1 B A |  | NY | Investment | Purchase | B A | N/A | N/A | No |
| (redacted) | 403 (redacted) |  | 34610053 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. |  | Hazard Insurance is expiring within [redacted] days of note date, guidelines require policy to be effective for at least [redacted] days after the date of funding. |  |  |  | Reviewer Comment (2025-07-30): Documents received, system cleared.<br>Buyer Comment (2025-07-28): Renewed policy uploaded. | 07/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 403 (redacted) |  | 34610056 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) 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 (2025-07-10): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/10/2025 |  | 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) A | Non QM | Non QM | Yes |
| (redacted) | 404 (redacted) |  | 34610059 |  | 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]) 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. | Initial Loan Estimate dated [redacted] electronically signed on [redacted], E-consent dated [redacted]. |  |  |  | Reviewer Comment (2025-07-17): [redacted]received earlies e-consent.<br>Buyer Comment (2025-07-16): Attached[redacted]econsent. | 07/17/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 404 (redacted) |  | 34610061 |  | 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]. A valid COC or cure was not provided to the borrower. |  |  |  | Reviewer Comment (2025-07-23): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-22): Please see cure docs attached. |  | 07/23/2025 |  | 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) | 405 (redacted) |  | 34610066 |  | 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. | 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, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-07-15): [redacted]received detailed rebuttal comment and COC dated [redacted] suffice.<br>Buyer Comment (2025-07-14): Based on the uploaded COC form, the [redacted] COC is detailed as change in loan amount, loan program, refinance type, a price change due to new rate selection, and rate lock. This constitutes a valid COC and resets the baseline for this fee to $[redacted]on the corresponding [redacted]LE. | 07/15/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 405 (redacted) |  | 34610067 |  | 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 - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Endorsement 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, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-07-15): [redacted]received detailed rebuttal comment and COC dated [redacted]suffice.<br>Buyer Comment (2025-07-14): Based on the uploaded COC form, the[redacted]COC is detailed as change in loan amount and the loan amount increased, consequently, the endorsements fee would increase as well. This constitutes a valid COC and resets the baseline for this fee to $[redacted]on the corresponding [redacted]LE. | 07/15/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 405 (redacted) |  | 34610068 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Flood Certification 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, Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2025-07-15): 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 (2025-07-14): CD [redacted]page [redacted]shows lender credit for exceeding closing cost limit of $[redacted]to cover this cure. | 07/15/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 405 (redacted) |  | 34610069 |  | 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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-15): [redacted]received detailed rebuttal comment and COC dated[redacted] suffice.<br>Buyer Comment (2025-07-14): Based on the uploaded COC form, the [redacted] COC is detailed as change in loan amount, loan program, refinance type, a price change due to new rate selection, and rate lock. This constitutes a valid COC and resets the baseline for this fee to $[redacted]on the corresponding [redacted] LE. | 07/15/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 405 (redacted) |  | 34610070 |  | 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 Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided At Closing |  | 07/15/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 406 (redacted) |  | 34610072 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): UCDP with score of [redacted], no secondary valuation required | 07/17/2025 |  |  | 1 D A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 406 (redacted) |  | 34610075 |  | 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]) business days from transaction date of [redacted]. | Closing disclosure is not signed by the borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-07-22): Accurate material disclosures provided on[redacted] CD received[redacted]<br>Buyer Comment (2025-07-17): CD issued 0[redacted]was for balancing purposes only, recording fees reduced at closing increasing cash back to borrower. Dry state does not require borrower to sign CD issued for balancing purposes only<br>Reviewer Comment (2025-07-17): Missing final CD issued [redacted] signature date.<br>Buyer Comment (2025-07-15): Signed consummation CD, funding worksheet and final settlement statement provided to support borrower's receipt of CD [redacted]days prior to closing | 07/22/2025 |  |  | 1 C A |  | 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 C | Non QM | Non QM | Yes |
| (redacted) | 406 (redacted) |  | 34610076 |  | 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). | Closing disclosure is not signed by the borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-07-22): Accurate material disclosures provided on [redacted] CD received [redacted]<br>Buyer Comment (2025-07-17): CD issued[redacted]was for balancing purposes only, recording fees reduced at closing increasing cash back to borrower. Dry state does not require borrower to sign CD issued for balancing purposes only<br>Reviewer Comment (2025-07-17): Missing final CD issued [redacted] signature date.<br>Buyer Comment (2025-07-15): Signed consummation CD, funding worksheet and final settlement statement provided to support borrower's receipt of CD [redacted]days prior to closing | 07/22/2025 |  |  | 1 C A |  | 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 C | Non QM | Non QM | Yes |
| (redacted) | 406 (redacted) |  | 34610077 |  | 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. | Copy of appraisal is required to be delivered to borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-07-22): Client elects to waive [redacted].<br>Buyer Comment (2025-07-17): please see emailed copy of appraisal delivered to borrower, due to no material changes in report or value, exception can remain grade [redacted]. Please update all waterfall conditions based on submitted documents<br>Reviewer Comment (2025-07-17): HPML requires appraisal delivery to borrower [redacted]business days prior to consummation date. Proof of initial appraisal delivery and appraisal report in file but still missing final appraisal deliver to borrower.<br>Buyer Comment (2025-07-15): revised report delivered to borrower is uploaded in loan file<br>Buyer Comment (2025-07-15): initial appraisal report with delivery along with revised appraisal report delivery uploaded. please note revised appraisal report did not have any material changes or change in value reported, please allow exception grade [redacted]for delivery. |  |  | 07/22/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 406 (redacted) |  | 34610078 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML Completed 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 (2025-07-23): Appraisal delivery provided [redacted]for [redacted] report.<br>Reviewer Comment (2025-07-22): Appraisal waivers are not applicable to HPML loans. Uploaded proof of delivery reflects date of delivery as [redacted]. Note date [redacted]<br>Buyer Comment (2025-07-17): please see emailed copy of appraisal delivered to borrower, due to no material changes in report or value, exception can remain grade [redacted]. Please update all waterfall conditions based on submitted documents<br>Reviewer Comment (2025-07-17): [redacted]requires appraisal delivery to borrower [redacted]business days prior to consummation date. Proof of initial appraisal delivery and appraisal report in file but still missing final appraisal deliver to borrower.<br>Buyer Comment (2025-07-15): initial appraisal report with delivery along with revised appraisal report delivery uploaded. please note revised appraisal report did not have any material changes or change in value reported, please allow exception grade [redacted]for delivery. Revised report is uploaded in loan file | 07/23/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 406 (redacted) |  | 34610079 |  | 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. | Copy of appraisal is required to be delivered to borrower within [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-07-23): Appraisal delivery provided [redacted] for[redacted] report.<br>Reviewer Comment (2025-07-22): Appraisal waivers are not applicable to HPML loans. Uploaded proof of delivery reflects date of delivery as[redacted]. Note date [redacted].<br>Buyer Comment (2025-07-17): please see emailed copy of appraisal delivered to borrower, due to no material changes in report or value, exception can remain grade [redacted]. Please update all waterfall conditions based on submitted documents<br>Reviewer Comment (2025-07-17): HPML requires appraisal delivery to borrower [redacted]business days prior to consummation date. Proof of initial appraisal delivery and appraisal report in file but still missing final appraisal deliver to borrower.<br>Buyer Comment (2025-07-15): initial appraisal report with delivery along with revised appraisal report delivery uploaded. please note revised appraisal report did not have any material changes or change in value reported, please allow exception grade [redacted]for delivery after closing. Revised report is uploaded in loan file | 07/23/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 406 (redacted) |  | 34610080 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for rural property. | 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]%.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Low default risk with substantial equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors. |  |  | 07/14/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 406 (redacted) |  | 34610082 |  | 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. |  |  |  |  | Buyer Comment (2025-07-23): accept grade [redacted] |  |  | 07/23/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 407 (redacted) |  | 34610086 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 407 (redacted) |  | 34610087 |  | 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 (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 408 (redacted) |  | 34610090 |  | 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. | Reviewed and noted as Application date is [redacted] and Signed date is [redacted] |  |  |  | Reviewer Comment (2025-07-15): Documents received, system cleared.<br>Buyer Comment (2025-07-14): disclosure tracking FACTA | 07/15/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 408 (redacted) |  | 34610092 |  | 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 [redacted] disclosed on initial LE but [redacted] was disclosed on Closing disclosure. Sufficient Cure was not provided on file. |  |  |  | Reviewer Comment (2025-07-15): [redacted]received COC dated [redacted].<br>Buyer Comment (2025-07-14): COC and disclosure tracking | 07/15/2025 |  |  | 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) | 408 (redacted) |  | 34610093 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a 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>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 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>Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-11): Lender Exception with Compensating Factors. |  |  | 07/11/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 409 (redacted) |  | 34610097 |  | 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] nsufficient 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 (2025-07-21): [redacted]Received Corrected PCCD, LEO and Payment history.<br>Buyer Comment (2025-07-18): Cure already complete |  | 07/21/2025 |  | 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) | 409 (redacted) |  | 34610098 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted] | 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 (2025-07-21): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/21/2025 |  | 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) | 410 (redacted) |  | 34610101 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test |  | Final closing disclosure dated [redacted] disclosed a Total of payments of [redacted] . The calculated finance charge is [redacted] creating a variance of [redacted]. |  |  |  | Reviewer Comment (2025-07-29): Cure docs provided<br>Buyer Comment (2025-07-28): signed [redacted] forms<br>Buyer Comment (2025-07-28): cover letter and [redacted]label for [redacted] shipment and request for re-signed docs<br>Buyer Comment (2025-07-28): updated signed [redacted] forms<br>Reviewer Comment (2025-07-24): [redacted]received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. The [redacted] tracking does not reflect package picked up yet As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers along with the [redacted] proof of delivery of the cure package.<br>Buyer Comment (2025-07-23): pccd with cover letter<br>Buyer Comment (2025-07-23): cure and [redacted] label |  | 07/29/2025 |  | 2 C B |  | VA | 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) | 410 (redacted) |  | 34610102 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge |  | Final closing disclosure dated [redacted] is closed a Total of payments of [redacted] The calculated finance charge is[redacted] creating a variance o[redacted] |  |  |  | Reviewer Comment (2025-07-29): Cure docs provided<br>Buyer Comment (2025-07-28): cover letter and [redacted] label for [redacted] shipment and request for re-signed docs<br>Reviewer Comment (2025-07-24): [redacted]received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. The [redacted] tracking does not reflect package picked up yet As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers along with the [redacted] proof of delivery of the cure package.<br>Buyer Comment (2025-07-23): pccd with cover letter uploaded<br>Buyer Comment (2025-07-23): cure and [redacted] label |  | 07/29/2025 |  | 2 C B |  | VA | 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) | 410 (redacted) |  | 34610104 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower does not meet the [redacted] month reserve requirement as verified reserves are [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 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]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less.<br>Residual income > $[redacted]. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-08-25): Lender exception with compensating factors. |  |  | 08/25/2025 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 410 (redacted) |  | 34610105 |  | 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 does not meet the [redacted] month reserve requirement as verified reserves are [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 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]%.<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Low housing ratio of [redacted]% or less.<br>Residual income > $[redacted]. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-08-25): Lender exception with compensating factors. |  |  | 08/25/2025 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 410 (redacted) |  | 34610106 |  | 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. | Borrower does not meet the [redacted] month reserve requirement as verified reserves are [redacted] |  |  |  | Reviewer Comment (2025-08-25): Lender exception with compensating factors, system cleared. | 08/25/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 410 (redacted) |  | 34610107 |  | 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. | Borrower does not meet the [redacted] month reserve requirement as verified reserves are [redacted] |  |  |  | Reviewer Comment (2025-08-25): Lender exception with compensating factors, system cleared. | 08/25/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 410 (redacted) |  | 34610108 |  | 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.) | Borrower does not meet the [redacted] month reserve requirement as verified reserves are [redacted] |  |  |  | Reviewer Comment (2025-08-25): Lender exception with compensating factors, system cleared. | 08/25/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 411 (redacted) |  | 34610113 |  | 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 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>Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-09-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-19): Post-close exception for reserves attached. |  |  | 09/23/2025 | 2 B |  | FL | Primary | Purchase | A B | Non QM | Non QM | No |
| (redacted) | 411 (redacted) |  | 34610114 |  | 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. | Borrower does not meet the reserve requirement of [redacted] months as verified is [redacted] months. |  |  |  | Reviewer Comment (2025-09-23): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-09-19): Waterfall | 09/23/2025 |  |  | 1 A |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B | Non QM | Non QM | Yes |
| (redacted) | 411 (redacted) |  | 34610115 |  | 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. | Borrower does not meet the reserve requirement of [redacted] months as verified is [redacted] months. |  |  |  | Reviewer Comment (2025-09-23): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-09-19): Waterfall | 09/23/2025 |  |  | 1 A |  | FL | Primary | Purchase | A B | Non QM | Non QM | No |
| (redacted) | 412 (redacted) |  | 34610117 |  | 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. |  |  |  | Reviewer Comment (2025-07-16): Documents received, system cleared.<br>Buyer Comment (2025-07-15): Order details showing appraisal delivery to borrower[redacted] uploaded. | 07/16/2025 |  |  | 1 B A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 412 (redacted) |  | 34610119 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] (redacted) business days prior to closing. | Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-07-23): [redacted]received signed LE received [redacted]days prior to the consummation.<br>Buyer Comment (2025-07-22): See uploaded LE wet signed[redacted].<br>Buyer Comment (2025-07-22): See uploaded LE wet signed [redacted]. | 07/23/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 412 (redacted) |  | 34610120 |  | 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 file is missing a valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-15): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-15): PC CD and Payment history uploaded |  | 07/15/2025 |  | 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) | 412 (redacted) |  | 34610122 |  | 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 (2025-07-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/15/2025 |  | 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) | 413 (redacted) |  | 34610125 |  | 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. | Credit report Fee was disclosed on initial Loan estimate as [redacted] but disclosed on final Closing Disclosure as [redacted]. File does not contain a valid COC for this fee, no evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-07-15): [redacted]received Letter of Explanation and Corrected CD.<br>Buyer Comment (2025-07-14): Uploaded PC CD and payment history |  | 07/15/2025 |  | 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) | 413 (redacted) |  | 34610127 |  | 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 Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-15): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/15/2025 |  | 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) | 414 (redacted) |  | 34610129 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-16): Exception cleared - Title Final received and updated [redacted]. | 07/16/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 414 (redacted) |  | 34610130 |  | 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 was not provided. |  |  |  | Reviewer Comment (2025-07-16): Exception cleared - Title Final received and updated [redacted].<br>Buyer Comment (2025-07-15): final title policy with insured amount included | 07/16/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 415 (redacted) |  | 34610134 |  | 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 (2025-07-16): [redacted]received disclosure summary.<br>Buyer Comment (2025-07-15): As seen on the uploaded Disclosure Tracking Summary, the initial CD was provided to the borrower \*In Person on[redacted] ([redacted]), [redacted]days before closing. There was no change to the APR, loan program, and no added pre-payment. Therefore, the timing requirement has been met. | 07/16/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 415 (redacted) |  | 34610135 |  | 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 Re-Inspection Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee exceeds [redacted] tolerance, Initial [redacted] disclosed Appraisal Re-Inspection fee as [redacted], however Final CD disclosed as [redacted] Valid cure document or change of circumstance not provided. |  |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 416 (redacted) |  | 34610139 |  | 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. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within a reasonably practicable time after using credit score. |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): FACTA disclosure tracking | 07/17/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 416 (redacted) |  | 34610141 |  | 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]. 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 (2025-07-16): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-07-15): pccd with cover letter and principal reduction applied |  | 07/16/2025 |  | 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) | 416 (redacted) |  | 34610142 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]e | 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 (2025-07-17): Sufficient Cure Provided within [redacted][redacted]Days of Closing |  | 07/17/2025 |  | 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) | 417 (redacted) |  | 34610146 |  | 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.<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<br>The refinance has decreased the borrower's monthly debt payments by [redacted] % or more. | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-07-11): Client elects to waive with compensating factors. |  |  | 07/11/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610147 |  | 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. | Originator loan designation discrepancy due to insufficient reserves. |  |  |  | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors, system cleared. | 07/14/2025 |  |  | 1 B A C |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 417 (redacted) |  | 34610148 |  | 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. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors, system cleared. | 07/14/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610149 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | No assets in file to meet reserve requirement. | 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]%.<br>Miscellaneous<br>The refinance has decreased the borrower's monthly debt payments by [redacted] % or more. | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-07-11): Client elects to waive with compensating factors. |  |  | 07/11/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610150 |  | 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 assets in file to meet reserve requirement. |  |  |  | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors, system cleared. | 07/14/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610151 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): Please see consent to use of tax return information attached. | 07/17/2025 |  |  | 1 B A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610152 |  | 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.) | Maximum DTI for the subject loan program is[redacted] and subject [redacted] | 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]%.<br>Miscellaneous<br>The refinance has decreased the borrower's monthly debt payments by [redacted] % or more. | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610153 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Maximum DTI for the subject loan program is[redacted] and subject [redacted] |  |  |  | Reviewer Comment (2025-09-02): Lender exception with compensating factors, system cleared. | 09/02/2025 |  |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 417 (redacted) |  | 34610154 |  | 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 ___. | Maximum DTI for the subject loan program is [redacted] and subject DTI 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>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<br>The refinance has decreased the borrower's monthly debt payments by [redacted] % or more. | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 418 (redacted) |  | 34610158 |  | 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 is required to be delivered to borrower with in [redacted] business days of closing date. |  |  |  | Reviewer Comment (2025-07-15): [redacted]received [redacted] CD, received [redacted]business days prior to consummation.<br>Buyer Comment (2025-07-14): disclosure tracking CD delivery | 07/15/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 419 (redacted) |  | 34610159 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Title final is missing on file |  |  |  | Reviewer Comment (2025-07-17): Final title provided | 07/17/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | B A | Non QM | Non QM | No |
| (redacted) | 419 (redacted) |  | 34610161 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted]Constitution Section [redacted] Acceptable FNMA 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]home equity loan.) |  |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): Final title policy uploaded. | 07/17/2025 |  |  | 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 B A | Non QM | Non QM | No |
| (redacted) | 421 (redacted) |  | 34610165 |  | 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]. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-07-23): Please see attached PCCD and pymt history showing a cure for $[redacted]for an increase in transfer taxes |  | 07/24/2025 |  | 2 C B |  | VA | 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) | 421 (redacted) |  | 34610167 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of [redacted] Status not ptovided. |  |  |  | Reviewer Comment (2025-07-15): Received ITIN document, Exception cleared.<br>Buyer Comment (2025-07-15): Please see TIN # assigned to borrower attached. also added driver license and Patriot Act form. | 07/15/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 421 (redacted) |  | 34610168 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Error: Citizenship Source Documentation was not provided |  | Verification of [redacted] Status not provided. |  |  |  | Reviewer Comment (2025-07-15): Received ITIN document, Exception cleared.<br>Buyer Comment (2025-07-15): Please see TIN # assigned to borrower attached. also added driver license and Patriot Act form. | 07/15/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 422 (redacted) |  | 34610173 |  | 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 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>Miscellaneous<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less.<br>Total monthly payment savings of $[redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-07-13): Lender Exception with Compensating Factors. |  |  | 07/13/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 424 (redacted) |  | 34610179 |  | 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. Fee Amount of [redacted] exceeds tolerance of [redacted]. A valid COC or sufficient cure was not provided. |  |  |  | Reviewer Comment (2025-07-17): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-16): See attached, cure already complete. |  | 07/17/2025 |  | 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) | 424 (redacted) |  | 34610180 |  | 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 documentation in the file to evidence borrower was provided with a copy of valuation [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-07-22): .<br>Reviewer Comment (2025-07-18): Certified Secure appraisal sent date on [redacted] received but same document does not have the appraisal report download date from borrower so based on mailing time delivery date calculated on [redacted] which is less than the [redacted] days before consummation date which is [redacted].<br>Buyer Comment (2025-07-16): Attached. |  |  | 07/22/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 424 (redacted) |  | 34610181 |  | 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 (2025-07-17): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/17/2025 |  | 1 A |  | NJ | 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) | 425 (redacted) |  | 34610182 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.[redacted] |  |  |  |  |  | Reviewer Comment (2025-07-22): Cleared.<br>Buyer Comment (2025-07-17): Risk score is [redacted], attached is sufficient. | 07/22/2025 |  |  | 1 D A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 425 (redacted) |  | 34610184 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-22): Provided.<br>Buyer Comment (2025-07-17): See attached, delivered same day. | 07/22/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 425 (redacted) |  | 34610186 |  | 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 calculated investor qualifying total debt ratio of [redacted] exceeding guideline total debt ratio of [redacted] |  |  |  | Reviewer Comment (2025-07-25): Loan is NonQM<br>Buyer Comment (2025-07-17): Exception approved prior to closing by [redacted], please see attached. | 07/25/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 425 (redacted) |  | 34610188 |  | 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 [redacted]): The DTI calculated in accordance with the Lenders Guidelines and 1[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] |  |  |  | Reviewer Comment (2025-07-28): Client elects to waive.<br>Reviewer Comment (2025-07-25): Regrated to [redacted]-B based on lender exception with sufficient compensating factors.<br>Buyer Comment (2025-07-17): Please see finding [redacted]. |  |  | 07/28/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 425 (redacted) |  | 34610189 |  | 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 Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 425 (redacted) |  | 34610190 |  | 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 provided however no compensating factors were listed. | 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>The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. | [redacted]+ years on job.<br>Total monthly payment savings of $[redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-22): [redacted] approved.<br>Buyer Comment (2025-07-17): Please see finding [redacted]. |  |  | 07/22/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 425 (redacted) |  | 34610191 |  | 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 investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted] |  |  |  | Reviewer Comment (2025-07-25): Loan is NonQM<br>Buyer Comment (2025-07-17): Please see finding [redacted]. | 07/25/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 426 (redacted) |  | 34610196 |  | 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. | Title-Settlement/Closing/Escrow Fee is increased on [redacted] Loan Estimate and again on [redacted] CD with no valid change evident, nor cure provided to the borrower. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Corrected PCCD, LOE and Payment History.<br>Buyer Comment (2025-07-23): Please see attached PCCD & pymt history showing a total cure for $[redacted]+ $[redacted]= $[redacted] |  | 07/24/2025 |  | 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) | 426 (redacted) |  | 34610197 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Guideline required minimum [redacted] is not met threshold of Representative [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>Miscellaneous<br>Miscellaneous | Residual income is greater than $[redacted].<br>Low housing ratio [redacted]% or less.<br>Total monthly payment savings of $[redacted]or more per month. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-09-12): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-10): Client elects to waive with compensating factors. |  |  | 09/12/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 426 (redacted) |  | 34610198 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  |  |  | Reviewer Comment (2025-08-13): Documents received, system cleared.<br>Buyer Comment (2025-08-12): Please see additional child Support pymt history attached.<br>Buyer Comment (2025-08-08): Could you please see the proof of child support payment attached? Advise if this document may be enough to clear the exception.<br>Reviewer Comment (2025-07-30): Guidelines state: File should contain supporting documentation as evidence of the obligation, such as a final divorce decree, property settlement agreement, signed legal separation agreement, or court order. If pay stubs reflects garnishments (child support, IRS, etc.) or any loan deductions, additional information will be required to determine if a monthly payment should be included in the debt-to-income ratio calculation.<br>Buyer Comment (2025-07-28): Please note, paystub reflects child support being paid bi-weekly of $[redacted]. UW qualified borrower with $[redacted]/monthly child support payments and notes reflect on the [redacted]. | 08/13/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 426 (redacted) |  | 34610199 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Clarification required on the exception listed on the approval for no cost LTV exception due to known issue. LTV meets guideline requirements. |  |  |  | Reviewer Comment (2025-07-17): LOX from lender explaining workaround in their system and LTV is acceptable with no exception.<br>Buyer Comment (2025-07-15): Please see email attached by our managers who stated that " Because there is an exception on the loan for FICO the system automatically throws an exception for LTV even when it is within guidelines. We have to manually enter the LTV exception in order to bypass our own system hard stop. The LTV is acceptable." | 07/17/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 426 (redacted) |  | 34610200 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent 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 (2025-07-24): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/24/2025 |  | 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) | 427 (redacted) |  | 34610206 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Additional party on bank statement loan. Guidelines do not permit additional parties on bank statements, not a loan. | 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 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 refinance has decreased the borrower's monthly debt payments by [redacted]% or more. | [redacted]+ years on job.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Total monthly payment savings of $[redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2025-07-10): Client elects to waive with compensating factors. |  |  | 07/10/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610208 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Insufficient assets to meet Cash to close & Reserve requirement. |  |  |  | Reviewer Comment (2025-07-29): Paid POC invoices provided<br>Buyer Comment (2025-07-25): Attached. All paid prior to closing.<br>Reviewer Comment (2025-07-24): Missing invoice/ receipts confirming POC fees.<br>Buyer Comment (2025-07-18): Borrower received $[redacted]back at closing. | 07/29/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610212 |  | 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 Assets to meet Cash to Close & Reserve requirements. |  |  |  | Reviewer Comment (2025-07-23): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-07-18): Please see finding [redacted]. | 07/23/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 428 (redacted) |  | 34610213 |  | 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 Assets to meet Cash to Close & Reserve requirements.Lender exception in file but has insufficient comp factors. Only one comp factor from category [redacted] provided and still need at least one comp factor from category [redacted]. |  |  |  | Reviewer Comment (2025-07-23): Lender exception with compensating factors, system cleared<br>Buyer Comment (2025-07-18): 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. | 07/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610214 |  | 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. | Initial Closing Disclosure issued on [redacted] and Note date is [redacted] |  |  |  | Reviewer Comment (2025-07-21): [redacted]received initial CD.<br>Buyer Comment (2025-07-18): Attached audit trail for [redacted] initial CD; borrower viewed same day. | 07/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610215 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient Assets to meet Cash to Close & Reserve requirements. .Lender exception in file but has insufficient comp factors. Only one comp factor from category B provided and still need at least one comp factor from category [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 | Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please see finding [redacted]. |  |  | 07/23/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610216 |  | 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 meet Cash to Close & Reserve requirements.Lender exception in file but has insufficient comp factors. Only one comp factor from category B provided and still need at least one comp factor from category [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 | Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please see finding [redacted]. |  |  | 07/23/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610217 |  | 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 meet Cash to Close & Reserve requirement. |  |  |  | Reviewer Comment (2025-07-23): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-07-18): Please see finding [redacted]. | 07/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610218 |  | 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 ___. | Calculated loan to value percentage of [redacted] exceeds Guideline loan to value percentage 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>Miscellaneous | Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please see finding [redacted]. |  |  | 07/23/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 428 (redacted) |  | 34610219 |  | 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 (2025-08-27): CLTV within guidelines.<br>Reviewer Comment (2025-08-27): ...<br>Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please see finding [redacted]. | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Non QM | Non QM | No |
| (redacted) | 430 (redacted) |  | 34610227 |  | 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] A valid COC or cure was not provided to the borrower. |  |  |  | Reviewer Comment (2025-07-17): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-16): PC CD and pay history uploaded. |  | 07/17/2025 |  | 2 C B |  | KS | 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) | 430 (redacted) |  | 34610228 |  | 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 (2025-07-17): Sufficient Cure Provided within 60 Days of Closing |  | 07/17/2025 |  | 1 A |  | KS | 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) | 431 (redacted) |  | 34610231 |  | 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. |  |  |  |  | Buyer Comment (2025-07-23): Approve<br>Reviewer Comment (2025-07-22): Trailing proof of delivery does not reflect appraisal being mailed to borrower.<br>Buyer Comment (2025-07-17): Appraisal proof of delivery uploaded. |  |  | 07/23/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 431 (redacted) |  | 34610232 |  | 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 does not meet the residual income requirement of [redacted] per guidelines. | 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 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 equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO[redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender exception with compensating factors. |  |  | 08/27/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 431 (redacted) |  | 34610233 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Borrower does not meet the residual income requirement of [redacted] | 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 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 equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO[redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender exception with compensating factors. |  |  | 08/27/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 432 (redacted) |  | 34610236 |  | 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 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. |  |  |  | Reviewer Comment (2025-07-21): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-18): Cure already completed |  | 07/21/2025 |  | 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) | 432 (redacted) |  | 34610237 |  | 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 (2025-07-21): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/21/2025 |  | 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) B A | Non QM | Non QM | Yes |
| (redacted) | 435 (redacted) |  | 34610244 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. S[redacted] |  |  |  |  |  | Reviewer Comment (2025-07-17): USCP located under desk review tab with a [redacted]risk score.<br>Buyer Comment (2025-07-15): Please see attached Risk report, UCDP report, and guidelines showing that since the loan amount is less than the $[redacted]and risk score less than [redacted]the secondary valuation is not required. | 07/17/2025 |  |  | 1 D A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 435 (redacted) |  | 34610247 |  | 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 ___. | No assets in file to meet reserve requirement. Lender exception in file but has insufficient comp factors. Only one comp factor from category B provided and still need at least one comp factor from category A. | 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. | Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please see attached Non-Agency Loan Approval Summary updated by adding a new Comp Factor Category B Prior Homeownership experience with no FC or short sale. Also, please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted]or [redacted]if reviewer is unable to downgrade and waive exception. Thank you<br>Reviewer Comment (2025-07-17): Lender exception comp factor of LTV [redacted]% lower than matrix is incorrect. Verified LTV is [redacted]% and max allowed if [redacted]% which is less than [redacted]%.<br>Buyer Comment (2025-07-15): Please see attached Non-Agency Loan Approval Summary showing an additional Comp Factor: Residual Income Greater Than $[redacted] |  |  | 07/23/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 435 (redacted) |  | 34610248 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | No assets in file to meet reserve requirement. Lender exception in file but has insufficient comp factors. Only one comp factor from category B provided and still need at least one comp factor from category A. | 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. | Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please see attached Non-Agency Loan Approval Summary updated by adding a new Comp Factor Category B Prior Homeownership experience with no FC or short sale. Also, please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted]or [redacted]if reviewer is unable to downgrade and waive exception. Thank you<br>Reviewer Comment (2025-07-17): Lender exception comp factor of LTV [redacted]% lower than matrix is incorrect. Verified LTV is [redacted]% and max allowed if [redacted]% which is less than [redacted]%.<br>Buyer Comment (2025-07-15): Please see attached Non-Agency Loan Approval Summary showing an additional Comp Factor: Residual Income Greater Than $[redacted] |  |  | 07/23/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 435 (redacted) |  | 34610249 |  | 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 no assets in file to meet reserve requirement. |  |  |  | Reviewer Comment (2025-07-23): Lender exception with compensating factors, system cleared<br>Buyer Comment (2025-07-18): Please see attached Non-Agency Loan Approval Summary updated by adding a new Comp Factor Category B Prior Homeownership experience with no FC or short sale. Also, please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. Thank you<br>Reviewer Comment (2025-07-17): Lender exception comp factor of LTV [redacted]% lower than matrix is incorrect. Verified LTV is [redacted]% and max allowed if [redacted]% which is less than [redacted]%.<br>Buyer Comment (2025-07-15): Please see attached Non-Agency Loan Approval Summary showing an additional Comp Factor: Residual Income Greater Than $[redacted] | 07/23/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| (redacted) | 435 (redacted) |  | 34610250 |  | 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 no assets in file to meet reserve requirement. |  |  |  | Reviewer Comment (2025-07-23): Lender exception with compensating factors, system cleared<br>Buyer Comment (2025-07-18): Please see attached Non-Agency Loan Approval Summary updated by adding a new Comp Factor Category B Prior Homeownership experience with no FC or short sale. Also, please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted]or [redacted]if reviewer is unable to downgrade and waive exception. Thank you<br>Reviewer Comment (2025-07-17): Lender exception comp factor of LTV [redacted]% lower than matrix is incorrect. Verified LTV is [redacted]% and max allowed if [redacted]% which is less than [redacted]%.<br>Buyer Comment (2025-07-15): Please see attached Non-Agency Loan Approval Summary showing an additional Comp Factor: Residual Income Greater Than $[redacted] | 07/23/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 435 (redacted) |  | 34610251 |  | 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 no assets in file to meet reserve requirement. |  |  |  | Reviewer Comment (2025-07-23): Lender exception with compensating factors, system cleared<br>Buyer Comment (2025-07-18): Please see attached Non-Agency Loan Approval Summary updated by adding a new Comp Factor Category B Prior Homeownership experience with no FC or short sale. Also, please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted]or [redacted]if reviewer is unable to downgrade and waive exception. Thank you<br>Reviewer Comment (2025-07-17): Lender exception comp factor of LTV [redacted]% lower than matrix is incorrect. Verified LTV is [redacted]% and max allowed if [redacted]% which is less than [redacted]%.<br>Buyer Comment (2025-07-15): Please see attached Non-Agency Loan Approval Summary showing an additional Comp Factor: Residual Income Greater Than $[redacted] | 07/23/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| (redacted) | 436 (redacted) |  | 34610254 |  | 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. | Safe Harbor requirements not satisfied, as Lender named on Appraisal differs from Lender on Note. |  |  |  | Reviewer Comment (2025-07-18): Documents received, system cleared.<br>Buyer Comment (2025-07-16): Neighborhood watch summary uploaded to support [redacted] is a DBA of [redacted] this is FHA approved lender<br>Reviewer Comment (2025-07-16): Missing appraisal transfer letter. Only AIR appraisal report provided.<br>Buyer Comment (2025-07-14): AIR for transferred appraisal report | 07/18/2025 |  |  | 1 B A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 436 (redacted) |  | 34610256 |  | 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] No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-23): pccd with cover letter and principal reduction<br>Reviewer Comment (2025-07-18): [redacted]received COC dated [redacted]. However,we would require a valid COC for the fee decreased on CD dated [redacted] or provide cure for the same. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-07-17): please see prior upload of lock and pricing adjustment due to fico/ltv/doc type resulting in reduction in lender credit<br>Reviewer Comment (2025-07-17): [redacted]received COC and rate lock for CD [redacted], however we require valid COC with sufficient information for lender credit decrease on CD dated [redacted]. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-16): please see rate lock and coc for lock supporting update to lender credit due to pricing adjustment<br>Reviewer Comment (2025-07-15): [redacted]require valid COC document for decrease of lender credit on CD dated [redacted] to $[redacted]. Please provide valid COC document with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-14): disclosure tracking supporting rate lock and cd with lender credit disclosed |  | 07/24/2025 |  | 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) | 437 (redacted) |  | 34610260 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for excessive NSF's. Guidelines allow [redacted] in the past [redacted] months, actual number 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 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<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>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors. |  |  | 07/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 437 (redacted) |  | 34610261 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request required on all properties [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 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<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>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors. |  |  | 07/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 438 (redacted) |  | 34610264 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): Appraisal sure receipt | 07/17/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Home Improvement | B A | Non QM | Non QM | No |
| (redacted) | 439 (redacted) |  | 34610272 |  | 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]) business days from transaction date of [redacted]. | Final CD issued[redacted] was not signed and dated. |  |  |  | Reviewer Comment (2025-07-28): Accurate material disclosures provided on CD issued[redacted] and signed [redacted] which meets Rescission timing requirements.<br>Buyer Comment (2025-07-24): The CD issued[redacted]was issued post-consummation by the funder, therefore proof of delivery is not required.<br>Reviewer Comment (2025-07-24): The final CD dated [redacted] used [redacted] transaction date due to missing proof of delivery to borrower.The rule requires you consider delivery to be [redacted] days from time the disclosure is issued unless there is evidence it was received sooner.<br>Buyer Comment (2025-07-18): Uploaded consummation CD signed [redacted] with closing date of [redacted] and disbursement date of [redacted].<br>Reviewer Comment (2025-07-18): The final CD used [redacted] transaction date because we don't have evidence when borrower actually received the final cd as it's not signed. The rule requires you consider delivery to be [redacted] days from time the disclosure is issued unless there is evidence it was received sooner.<br>Buyer Comment (2025-07-16): Closing took place [redacted], based on all signed docs from closing. See uploaded funding worksheet showing funds were dispersed [redacted], 3+business days after closing. | 07/28/2025 |  |  | 1 C A |  | MI | 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) | 439 (redacted) |  | 34610273 |  | 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 (2025-07-28): Accurate material disclosures provided on CD issued [redacted] and signed [redacted]which meets Rescission timing requirements.<br>Buyer Comment (2025-07-24): The CD issued[redacted] was issued post-consummation by the funder, therefore proof of delivery is not required.<br>Reviewer Comment (2025-07-24): The final CD dated 0[redacted] used [redacted] transaction date due to missing proof of delivery to borrower.The rule requires you consider delivery to be [redacted] days from time the disclosure is issued unless there is evidence it was received sooner.<br>Buyer Comment (2025-07-18): Uploaded consummation CD signed [redacted] with closing date of [redacted]and disbursement date of[redacted].<br>Reviewer Comment (2025-07-18): The final CD used[redacted] transaction date because we don't have evidence when borrower actually received the final cd as it's not signed. The rule requires you consider delivery to be [redacted] days from time the disclosure is issued unless there is evidence it was received sooner.<br>Buyer Comment (2025-07-16): Closing took place [redacted], based on all signed docs from closing. See uploaded funding worksheet showing funds were dispersed [redacted], 3+business days after closing. | 07/28/2025 |  |  | 1 C A |  | MI | 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) | 439 (redacted) |  | 34610274 |  | 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 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 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low default risk with substantial equity, LTV % lower than matrix<br>Qualifying ratios of [redacted]or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-13): Lender Exception with Compensating Factors. |  |  | 07/13/2025 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 440 (redacted) |  | 34610276 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-17): Documents received, system cleared.<br>Buyer Comment (2025-07-15): Please see proof of appraisal been received by the borrower on[redacted] | 07/17/2025 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 441 (redacted) |  | 34610281 |  | 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]. 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] without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-23): Uploaded PC CD and pay history |  | 07/24/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 442 (redacted) |  | 34610284 |  | 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 (2025-07-10): Sufficient Cure Provided At Closing |  | 07/10/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 442 (redacted) |  | 34610285 |  | 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] A valid COC or sufficient cure was not provided. |  |  |  | Reviewer Comment (2025-07-11): Sufficient Cure Provided At Closing |  | 07/11/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 443 (redacted) |  | 34610287 |  | 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. |  |  |  |  | Buyer Comment (2025-07-15): Accepted |  |  | 07/15/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 444 (redacted) |  | 34610293 |  | 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 [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 (2025-07-18): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-17): Cure completed. |  | 07/18/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 444 (redacted) |  | 34610294 |  | 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 - Document Preparation Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-18): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/18/2025 |  | 1 A |  | NY | 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) | 446 (redacted) |  | 34610300 |  | 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 (2025-07-25): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-07-23): Uploaded PC CD showing $[redacted]Lender credit for fees exceeding legal limit, and $[redacted]PR cure for tolerances. This equals the $[redacted]for increased fee.<br>Buyer Comment (2025-07-23): Uploaded PC CD showing $[redacted]Lender credit for fees exceeding legal limit, and $[redacted]PR cure for tolerances. This equals the $[redacted] for increased fee. |  | 07/25/2025 |  | 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) | 446 (redacted) |  | 34610301 |  | 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 - Document Preparation Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-25): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/25/2025 |  | 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) | 447 (redacted) |  | 34610304 |  | 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. |  |  |  | Reviewer Comment (2025-07-23): Provided.<br>Buyer Comment (2025-07-18): Please see proof of copy of the appraisal was submitted to bwr on[redacted] | 07/23/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 447 (redacted) |  | 34610305 |  | 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 [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 (2025-07-23): Provided.<br>Buyer Comment (2025-07-18): Please see proof of copy of the appraisal was submitted to bwr on[redacted] | 07/23/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 447 (redacted) |  | 34610306 |  | 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. | Creditor did not provide a copy of each valuation to applicant three [redacted] business days prior to consummation.[redacted] |  |  |  | Reviewer Comment (2025-07-23): Provided.<br>Buyer Comment (2025-07-18): Please see proof of copy of the appraisal was submitted to bwr on [redacted] | 07/23/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 447 (redacted) |  | 34610309 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Buyer Comment (2025-07-18): Accepted |  |  | 07/18/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 447 (redacted) |  | 34610310 |  | 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 10% 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]. A valid COC or cure was not provided to the borrowre. |  |  |  | Reviewer Comment (2025-07-21): [redacted]Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2025-07-18): Please see attached PCCD showing a cure for the amount of $[redacted]also see page #[redacted]under section J listed a lender credit for another $[redacted] cure and lender credit enough to cover increase in settlement charges for $[redacted]+ $[redacted]+ $[redacted]= $[redacted] |  | 07/21/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 447 (redacted) |  | 34610311 |  | 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] Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of [redacted] exceeds tolerance of [redacted]. A valid COC or sufficient cure was not provided to the borrower. |  |  |  | Reviewer Comment (2025-07-21): [redacted]Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2025-07-18): Please see attached PCCD showing a cure for the amount of $[redacted]also see page # [redacted]of[redacted] under section J listed a lender credit for another $[redacted]cure and lender credit enough to cover increase in settlement charges for $[redacted] |  | 07/21/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 447 (redacted) |  | 34610312 |  | 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] A valid COC or sufficient cure was not provided to the borrower. |  |  |  | Reviewer Comment (2025-07-21): [redacted]Received Corrected PCCD, LOE and Payment history<br>Buyer Comment (2025-07-18): Please see attached PCCD showing a cure for the amount of $[redacted]also see page #[redacted]under section J listed a lender credit for another $[redacted]cure and lender credit enough to cover increase in settlement charges for [redacted] |  | 07/21/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 447 (redacted) |  | 34610313 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent 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 (2025-07-21): Sufficient Cure Provided within 60 Days of Closing |  | 07/21/2025 |  | 1 A |  | TN | 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) | 447 (redacted) |  | 34610314 |  | 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 - Lender's Title Insurance. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-21): Sufficient Cure Provided within 60 Days of Closing |  | 07/21/2025 |  | 1 A |  | TN | 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) | 447 (redacted) |  | 34610315 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] | 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 (2025-07-21): Sufficient Cure Provided within 60 Days of Closing |  | 07/21/2025 |  | 1 A |  | TN | 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) | 448 (redacted) |  | 34610322 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  | [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. |  |  |  | Reviewer Comment (2025-07-30): [redacted]received PCCD, LOE, copy of refund check & proof of mailing.<br>Buyer Comment (2025-07-29): Updated PC CD showing $[redacted]dollar cure on page [redacted]as paid by lender<br>Reviewer Comment (2025-07-27): [redacted]received rebuttal, however we require PCCD updating the amount on inner column of sec J of CD where cure is provided. Please provide updated PCCD with cure amount.<br>Buyer Comment (2025-07-24): Cure's processed in the form of a refund check are not on the CD in section J because it is not a lender credit, and the proof of mailing illustrates delivery to the borrower.<br>Reviewer Comment (2025-07-24): [redacted]Received Copy of Check, Proof of Mailing and LOE; however, Provide corrected PCCD showing Cure under section J.<br>Buyer Comment (2025-07-23): On initial LE [redacted] CPL fee shows $[redacted], Endorsements shows $[redacted], Lender's Title Insurance fee shows $[redacted], and notary fee shows $[redacted]. The only valid cure is the appraisal fee, of which I have uploaded the PC CD and cure check.<br>Buyer Comment (2025-07-23): On initial LE [redacted]CPL fee shows $[redacted], Endorsements shows $[redacted], Lender's Title Insurance fee shows $[redacted], and notary fee shows $[redacted]. The only valid cure is the appraisal fee, of which I have uploaded the PC CD and cure check. |  | 07/30/2025 |  | 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) | 450 (redacted) |  | 34610332 |  | 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 changed on [redacted] again changed on [redacted] File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 451 (redacted) |  | 34610336 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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 [redacted] Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2025-07-22): EV1, no cure needed. |  |  | 07/22/2025 | 1 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| (redacted) | 452 (redacted) |  | 34610340 |  | 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. | amount is provided on final CD, file does not contain a valid COC for this |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 453 (redacted) |  | 34610344 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for excessive overdrafts. Guidelines allow three and borrower has [redacted] in the past [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>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. | 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 gift 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>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-17): Lender Exception with Compensating Factors. |  |  | 07/17/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 454 (redacted) |  | 34610347 |  | 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] tolerance was exceeded by[redacted] due to Increase of Title-Notary Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-24): [redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-07-23): Uploaded PC CD, Cover Letter, and pay history. |  | 07/24/2025 |  | 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) | 454 (redacted) |  | 34610348 |  | 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] Guaranty 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 (2025-07-24): [redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-07-23): Uploaded PC CD, Cover Letter, and pay history. |  | 07/24/2025 |  | 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) | 457 (redacted) |  | 34610355 |  | 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]. 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 (2025-07-23): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-22): Please see the attached cure already completed. |  | 07/23/2025 |  | 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) | 457 (redacted) |  | 34610356 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified funds of [redacted] match assets stated on final CD, [redacted]. Insufficient reserves. |  |  |  | Reviewer Comment (2025-07-30): Received statement reflecting bill paid in full.<br>Reviewer Comment (2025-07-30): 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>Reviewer Comment (2025-07-28): Invoice for insurance premium received.<br>Reviewer Comment (2025-07-24): The invoice provided for $[redacted]does not reflect that the payment was made by the borrower.<br>Buyer Comment (2025-07-22): Please see the attached receipts confirming POC fees were paid prior to the effective asset balance dates. Therefore these amounts should not be deducted from reserves and reserves > [redacted]months. | 07/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 457 (redacted) |  | 34610357 |  | 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. | Verified funds of [redacted] match assets stated on final CD, R[redacted] Insufficient reserves. |  |  |  | Reviewer Comment (2025-07-30): Received statement reflecting bill paid in full.<br>Reviewer Comment (2025-07-28): Invoice for insurance premium received.<br>Reviewer Comment (2025-07-24): The invoice provided for $[redacted]does not reflect that the payment was made by the borrower.<br>Buyer Comment (2025-07-22): Please see finding [redacted]. | 07/30/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 457 (redacted) |  | 34610358 |  | 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.) | Verified funds of [redacted] match assets stated on final CD, [redacted] Insufficient reserves. |  |  |  | Reviewer Comment (2025-07-30): Received statement reflecting bill paid in full.<br>Reviewer Comment (2025-07-28): Invoice for insurance premium received.<br>Reviewer Comment (2025-07-24): The invoice provided for $[redacted]does not reflect that the payment was made by the borrower.<br>Buyer Comment (2025-07-22): Please see finding [redacted]. | 07/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 457 (redacted) |  | 34610359 |  | 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. | Verified funds of [redacted] match assets stated on final CD, [redacted]Insufficient reserves. |  |  |  | Reviewer Comment (2025-07-30): Received statement reflecting bill paid in full.<br>Reviewer Comment (2025-07-28): Invoice for insurance premium received.<br>Reviewer Comment (2025-07-24): The invoice provided for $[redacted]does not reflect that the payment was made by the borrower.<br>Buyer Comment (2025-07-22): Please see finding [redacted]. | 07/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 457 (redacted) |  | 34610360 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Verified funds of[redacted]match assets stated on final CD, [redacted]. Insufficient reserves. |  |  |  | Reviewer Comment (2025-07-30): Received statement reflecting bill paid in full.<br>Reviewer Comment (2025-07-24): The invoice provided for $[redacted]does not reflect that the payment was made by the borrower.<br>Buyer Comment (2025-07-22): Please see finding [redacted]. | 07/30/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 457 (redacted) |  | 34610361 |  | 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 Monitoring Service. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided within 60 Days of Closing |  | 07/23/2025 |  | 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) | 458 (redacted) |  | 34610363 |  | 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 three [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-07-23): Accepted<br>Reviewer Comment (2025-07-23): Exception is an EV2 which can be elected to waive. |  |  | 07/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 458 (redacted) |  | 34610364 |  | 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 three [redacted] business days prior to consummation. |  |  |  | Buyer Comment (2025-07-23): Accepted<br>Reviewer Comment (2025-07-23): Proof of delivery missing from trailing documents. Exception is an EV2 which can be elected to waive.Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-07-18): Please see attached proof of appraisal been delivered to bwr on [redacted] |  |  | 07/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 458 (redacted) |  | 34610365 |  | 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 (2025-07-23): Provided.<br>Buyer Comment (2025-07-18): Please see attached initial and final Rate lock | 07/23/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 458 (redacted) |  | 34610367 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 459 (redacted) |  | 34610369 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require [redacted] signed and dated for co borrower for[redacted] |  |  |  | Reviewer Comment (2025-07-24): Provided.<br>Buyer Comment (2025-07-22): Attached. | 07/24/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 459 (redacted) |  | 34610372 |  | 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 was agency approved with Originator Loan Designation of Non QM. However, the loan failed due to [redacted] calculated APR exceeds threshold of APR [redacted] |  |  |  | Reviewer Comment (2025-07-24): Provided.<br>Buyer Comment (2025-07-22): This appears to be a waterfall. If not, please clarify what is needed. | 07/24/2025 |  |  | 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) | 459 (redacted) |  | 34610373 |  | 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] calculated APR exceeds threshold of APR[redacted] |  |  |  | Reviewer Comment (2025-07-24): Provided.<br>Buyer Comment (2025-07-22): This appears to be a waterfall. If not, please clarify what is needed. | 07/24/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 459 (redacted) |  | 34610374 |  | 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 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. | Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-18): Lender Exception with Compensating Factors. |  |  | 07/18/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 459 (redacted) |  | 34610375 |  | 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 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. | Lender Exception with Compensating Factors. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-18): Lender Exception with Compensating Factors. |  |  | 07/18/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 461 (redacted) |  | 34610381 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): Please see attached evidence of taxpayer consent | 07/25/2025 |  |  | 1 B A |  | MS | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 461 (redacted) |  | 34610383 |  | 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 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] | 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). | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-19): Lender Exception with Compensating Factors. |  |  | 07/19/2025 | 2 B |  | MS | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 462 (redacted) |  | 34610386 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): Uploaded order details shows borrower opened [redacted] appraisal on[redacted], and th[redacted] appraisal on[redacted]. | 07/25/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 462 (redacted) |  | 34610387 |  | 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 [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] |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): Uploaded order details shows borrower opened [redacted] appraisal on [redacted], and the[redacted]appraisal on[redacted]. | 07/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 462 (redacted) |  | 34610388 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): Uploaded order details shows borrower opened [redacted] appraisal on [redacted], and the [redacted] appraisal on [redacted]. | 07/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 464 (redacted) |  | 34610403 |  | 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. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-07-25): Cleared.<br>Buyer Comment (2025-07-23): disaster reinspection uploaded | 07/25/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 464 (redacted) |  | 34610407 |  | 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). | Provided right to cancel expiration date of [redacted]which is prior to the expected expiration date of [redacted] |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): corrected [redacted] | 07/25/2025 |  |  | 1 C A |  | TN | 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) | 464 (redacted) |  | 34610408 |  | 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 ___. | Per guidelines max LTV of [redacted] with borrowers current score 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. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-19): Lender Exception with Compensating Factors. |  |  | 07/19/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 465 (redacted) |  | 34610414 |  | 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. | 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 (2025-07-24): [redacted]Received Corrected PCCD, LOE and Payment history.<br>Buyer Comment (2025-07-23): Uploaded PC CD and payment history |  | 07/24/2025 |  | 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) | 465 (redacted) |  | 34610415 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score is below maximum allowable FICO 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 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] | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-19): Lender Exception with Compensating Factors. |  |  | 07/19/2025 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 465 (redacted) |  | 34610416 |  | 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 four [redacted] business days prior to closing. | LE issued [redacted] not signed and dated |  |  |  | Reviewer Comment (2025-07-24): [redacted]Received LE dated [redacted] signed by borrower on[redacted].<br>Buyer Comment (2025-07-23): Uploaded LE signed by borrower [redacted] | 07/24/2025 |  |  | 1 B A |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 465 (redacted) |  | 34610417 |  | 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 Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-24): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/24/2025 |  | 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) | 467 (redacted) |  | 34610425 |  | 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 [redacted]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-08-06): Compliant<br>Buyer Comment (2025-07-30): Cure check, label, PCCD and cover letter uploaded. | 08/06/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 467 (redacted) |  | 34610426 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Flipped Property - Creditor improperly charged consumer for two [redacted] appraisals. |  |  |  |  | Reviewer Comment (2025-08-01): [redacted]received corrected CD, LOE, copy of refund check and proof of delivery.<br>Buyer Comment (2025-07-30): Cure check, label, PCCD and cover letter uploaded. |  | 08/01/2025 |  | 2 C B |  | CA | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Non QM | Non QM | Yes |
| (redacted) | 467 (redacted) |  | 34610429 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for unverifiable housing. | 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 | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]<br>Borrower's own funds used for down payment and closing (no gifts or DPA) | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-17): Lender Exception with Compensating Factors. |  |  | 07/17/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 467 (redacted) |  | 34610430 |  | 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. | 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 (2025-07-31): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-07-30): Cure check, label, PCCD and cover letter uploaded. |  | 07/31/2025 |  | 2 C B |  | 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) | 468 (redacted) |  | 34610433 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Verification Address: Service [redacted] |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): Tax verification uploaded. | 07/25/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 468 (redacted) |  | 34610434 |  | 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. |  |  |  |  |  | Reviewer Comment (2025-08-05): Provided.<br>Buyer Comment (2025-08-01): Disaster reinspection uploaded. | 08/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 468 (redacted) |  | 34610440 |  | 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 VVOE completed within business days of closing |  |  |  | Reviewer Comment (2025-07-17): Loan is NonQM | 07/17/2025 |  |  | 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) | 468 (redacted) |  | 34610441 |  | 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 VVOE completed within business days of closing |  |  |  | Reviewer Comment (2025-07-17): Lender Exception with Compensating Factors, system cleared<br>Reviewer Comment (2025-07-17): Regraded to [redacted]based on lender exception outlining sufficient alternate documentation. | 07/17/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 468 (redacted) |  | 34610442 |  | 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 VVOE completed within business days of closing |  |  |  | Reviewer Comment (2025-07-17): Lender Exception with Compensating Factors, system cleared<br>Reviewer Comment (2025-07-17): Regraded to [redacted] based on lender exception outlining sufficient alternate documentation. | 07/17/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 468 (redacted) |  | 34610443 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE completed with business days of closing. | 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 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low default risk with substantial equity, [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,SitusAMC | Reviewer Comment (2025-07-17): Lender Exception with Compensating Factors.<br>Reviewer Comment (2025-07-17): Regraded to[redacted] based on lender exception outlining sufficient alternate documentation. |  |  | 07/17/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 468 (redacted) |  | 34610444 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 468 (redacted) |  | 34610445 |  | 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 Reinspection 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 |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 468 (redacted) |  | 34610446 |  | 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 [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]) | Points and fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted]of the original principal loan amount.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.) |  |  |  | Reviewer Comment (2025-08-20): Applied section J offset for cure.<br>Buyer Comment (2025-08-08): [redacted](a)(6)(E) does not require the owner or the owner's spouse to pay, in addition to any interest or any bona fide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed, in the aggregate, two percent of the original principal amount of the extension of credit, excluding fees for:<br> (i) an appraisal performed by a third party appraiser;<br> (ii) a property survey performed by a state registered or licensed surveyor;<br> (iii) a state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law; or<br> (iv) a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law;<br>Buyer Comment (2025-08-08): Please note, [redacted] is including reinspection fee. The final inspection is part of the appraisal when the appraisal comes back "subject to". | 08/20/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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) | 470 (redacted) |  | 34610452 |  | 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 ___. | Require additional bank statement with ending balance 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 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]<br>Borrower has verified disposable income of at least [redacted]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Lender Exception with Compensating Factors.<br>Total monthly payment savings of at least [redacted] per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-23): Missing [redacted]tax return in file signed and dated. |  |  | 07/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 470 (redacted) |  | 34610454 |  | 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] | Missing [redacted]tax return in file signed and dated. |  |  |  | Buyer Comment (2025-07-31): accept<br>Reviewer Comment (2025-07-30): Exception remain [redacted]. Since the application date is past the original due date for the returns the [redacted]exception would be valid.<br>Buyer Comment (2025-07-25): Borrowers received an extension on [redacted]returns, therefore they were not available. See uploaded extension approval. |  |  | 07/31/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 470 (redacted) |  | 34610455 |  | 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. | Partial Payments options not checked on page 4 of final CD. |  |  |  | Reviewer Comment (2025-08-01): [redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-07-31): LOX uploaded.<br>Reviewer Comment (2025-07-30): [redacted]received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br>Buyer Comment (2025-07-29): Corrected PC CD Uploaded<br>Reviewer Comment (2025-07-29): Received a Taxpayer electronically filing acknowledgement. However, this does not address this exception. Page [redacted]of Final CD did not disclose the Partial payments questions. Corrected CD & LOE to borrower to cure.<br>Buyer Comment (2025-07-25): Borrowers received an extension on [redacted]returns, therefore they were not available. See uploaded extension approval. |  | 08/01/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| (redacted) | 470 (redacted) |  | 34610456 |  | 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. | Recording 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 (2025-08-20): 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 (2025-08-19): Please escalate to [redacted], [redacted]and Eve, as we believe documentation provided is sufficient.<br>Reviewer Comment (2025-08-11): [redacted]received rebuttal comment but to finalize the PCCD we required final SS and LOE to borrower that accompanied changes made on PCCD. LOE and final SS is required to cure.<br>Buyer Comment (2025-08-07): The explanation for the Lender cure being removed from the CD was due to a clerical error that has since been corrected. CDs are used as the final settlement statements, and let this message serve as the letter of explanation. A letter explaining their post-close CD has been sent, but one specifying why the cure was removed from one of the CDs is not necessary. If unable to clear, please escalate<br>Reviewer Comment (2025-08-01): [redacted]Received LOX does not refer to this exception. LOX and True and certified final settlement pending.<br>Buyer Comment (2025-07-31): LOX uploaded.<br>Reviewer Comment (2025-07-30): [redacted]Received Corrected PCCD; however, True and Certified Final Settlement statement and LOE not received. LOE should describe why Lender cure was removed from section J inner column of Final CD. Provide True and certified final SS and LOE.<br>Buyer Comment (2025-07-29): Corrected PC CD Uploaded<br>Reviewer Comment (2025-07-28): [redacted]received comment, referring to the CD dated [redacted]the page #[redacted]shows the cure of $[redacted]but on final CD dated [redacted] doc ID [redacted]the same was removed from inner column of section J as credit provided for cure. If the cure was provided at closing an corrected PCCD showing the cure under correct column along with the LOE to borrower and true and certified copy of final SS is required to cure these exceptions.<br>Buyer Comment (2025-07-25): [redacted]CD shows the lender credit of $[redacted]is for curing closing costs above legal limit. Increased fee from $[redacted]to $[redacted], plus the increased recording fee of $[redacted]from $[redacted]means the required cure is[redacted]. Already established cure is sufficient. | 08/20/2025 |  |  | 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) | 470 (redacted) |  | 34610457 |  | 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. | HOA/Condo Questionnaire Fee was disclosed on initial Loan estimate as $0 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 (2025-08-20): 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 (2025-08-19): Please escalate to [redacted], [redacted]and XXXX, as we believe documentation provided is sufficient.<br>Reviewer Comment (2025-08-11): [redacted]received rebuttal comment but to finalize the PCCD we required final SS and LOE to borrower that accompanied changes made on PCCD. LOE and final SS is required to cure.<br>Buyer Comment (2025-08-07): The explanation for the Lender cure being removed from the CD was due to a clerical error that has since been corrected. CDs are used as the final settlement statements, and let this message serve as the letter of explanation. A letter explaining their post-close CD has been sent, but one specifying why the cure was removed from one of the CDs is not necessary. If unable to clear, please escalate<br>Reviewer Comment (2025-08-01): [redacted]Received LOX does not refer to this exception. LOX and True and certified final settlement pending.<br>Buyer Comment (2025-07-31): LOX uploaded.<br>Reviewer Comment (2025-07-30): [redacted]Received Corrected PCCD; however, True and Certified Final Settlement statement and LOE not received. LOE should describe why Lender cure was removed from section J inner column of Final CD. Provide True and certified final SS and LOE.<br>Buyer Comment (2025-07-29): Corrected PC CD Uploaded<br>Reviewer Comment (2025-07-28): [redacted]received comment, referring to the CD dated [redacted] the page #2 shows the cure of $[redacted]but on final CD dated[redacted]doc ID [redacted]the same was removed from inner column of section J as credit provided for cure. If the cure was provided at closing an corrected PCCD showing the cure under correct column along with the LOE to borrower and true and certified copy of final SS is required to cure these exceptions.<br>Buyer Comment (2025-07-25): [redacted]CD shows the lender credit of $[redacted]is for curing closing costs above legal limit. Increased fee from $[redacted]to $[redacted], plus the increased recording fee of $[redacted]from $[redacted]means the required cure is $2[redacted]. Already established cure is sufficient. | 08/20/2025 |  |  | 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) | 470 (redacted) |  | 34610458 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for [redacted] review of property valued [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 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]<br>Borrower has verified disposable income of at least [redacted]<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted] lower than matrix.<br>Lender Exception with Compensating Factors.<br>Total monthly payment savings of at least [redacted] per month. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-23): Lender Exception with Compensating Factors. |  |  | 07/23/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 471 (redacted) |  | 34610461 |  | 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 [redacted]. Non-Compliant Higher Priced Mortgage Loan. | No documentation in the file to evidence borrower was provided with a copy of valuation three ([redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-08-12): Loan is HPML Compliant.<br>Buyer Comment (2025-07-30): Please see proof appraisal[redacted] delivered to the borrower via email. Revised appraisal value was not affected. Please escalate to[redacted] if reviewer is unable to clear exception.<br>Reviewer Comment (2025-07-30): Initial appraisal dated [redacted] uploaded, however, missing proof borrower received or downloaded the revised appraisal dated [redacted] emailed to them on [redacted]. Using mailing time calculation borrower did not received copy of appraisal at least [redacted] days prior to consummation date.<br>Buyer Comment (2025-07-28): Initial appraisal and proof of delivery uploaded. [redacted] appraisal is revised appraisal that value was not affected.<br>Reviewer Comment (2025-07-28): Missing proof borrower received or downloaded appraisal emailed to them on [redacted]. Using mailing time calculation borrower did not received copy of appraisal at least [redacted] days prior to consummation date.<br>Buyer Comment (2025-07-25): Proof appraisal delivered uploaded. | 08/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 471 (redacted) |  | 34610462 |  | 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 documentation in the file to evidence borrower was provided with a copy of valuation three [redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-30): Initial appraisal provided.<br>Buyer Comment (2025-07-28): Initial appraisal and proof of delivery uploaded. [redacted] appraisal is revised appraisal that value was not affected.<br>Buyer Comment (2025-07-28): Initial appraisal and proof of delivery uploaded. [redacted]appraisal is revised appraisal that value was not affected.<br>Buyer Comment (2025-07-28): Initial appraisal and proof of delivery uploaded. [redacted] appraisal is revised appraisal that value was not affected.<br>Reviewer Comment (2025-07-28): Missing proof borrower received or downloaded appraisal emailed to them on[redacted]. Using mailing time calculation borrower did not received copy of appraisal at least [redacted] days prior to consummation date.<br>Buyer Comment (2025-07-25): Proof appraisal delivered uploaded. | 07/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 471 (redacted) |  | 34610465 |  | 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] 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 (2025-07-28): Provided.<br>Buyer Comment (2025-07-25): Proof appraisal delivered uploaded. | 07/28/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 471 (redacted) |  | 34610466 |  | 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. | Initial appraisal dated [redacted] uploaded, however, missing proof borrower received or downloaded the revised appraisal emailed to them on [redacted] Using mailing time calculation borrower did not received copy of appraisal at least [redacted] days prior to consummation date. |  |  |  | Reviewer Comment (2025-08-12): Under Mailbox rule, appraisal emailed on [redacted] presumed rec'd on [redacted] which meets timing requirements.<br>Buyer Comment (2025-07-30): Please see proof appraisal [redacted] delivered to the borrower via email. Revised appraisal value was not affected. Please escalate to [redacted] if reviewer is unable to clear exception. | 08/12/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 472 (redacted) |  | 34610471 |  | 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. |  |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Initial escrow acct disclosure uploaded. | 07/31/2025 |  |  | 1 B A |  | MI | 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) | 473 (redacted) |  | 34610474 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure missing in file. |  |  |  | Reviewer Comment (2025-07-29): Documents received, system cleared.<br>Buyer Comment (2025-07-25): disclosure tracking uploaded | 07/29/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 473 (redacted) |  | 34610475 |  | 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. |  |  |  | Buyer Comment (2025-07-30): accept grade [redacted] |  |  | 07/30/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 473 (redacted) |  | 34610477 |  | 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. | Flood Insurance is listed under other on page [redacted] of the Final Closing Disclosure for escrowed items. Under the Other Cost setion on page [redacted] Flood Insurance is dislcosed as preprepaid and as escrowed for for three months. |  |  |  | Buyer Comment (2025-07-25): accept grade [redacted] |  |  | 07/25/2025 | 2 B |  | FL | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | Yes |
| (redacted) | 474 (redacted) |  | 34610483 |  | 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. | Insufficient or 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 (2025-07-28): [redacted]received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-07-25): Uploaded PC CD and payment history reflecting cure. |  | 07/28/2025 |  | 2 C B |  | 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) | 474 (redacted) |  | 34610484 |  | 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 (2025-07-28): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/28/2025 |  | 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) | 474 (redacted) |  | 34610485 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Lender exception approved for borrower not meeting the reserves requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-09-26): Lender exception with compensating factors, system cleared. | 09/26/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 474 (redacted) |  | 34610486 |  | 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 ___. | Lender exception approved for borrower not meeting the reserves requirement of [redacted] months. | 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. | [redacted] years on job.<br>Residual income is greater than [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-26): Client elects to waive with compensating factors. |  |  | 09/26/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 474 (redacted) |  | 34610487 |  | 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. | Borrower not meeting the reserves requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-09-26): Lender exception with compensating factors, system cleared. | 09/26/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 474 (redacted) |  | 34610488 |  | 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 borrower not meeting the reserves requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-09-26): Lender exception with compensating factors, system cleared. | 09/26/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 474 (redacted) |  | 34610489 |  | 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.) | Borrower not meeting the reserves requirement of [redacted] months. |  |  |  | Reviewer Comment (2025-09-26): Lender exception with compensating factors, system cleared. | 09/26/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 475 (redacted) |  | 34610491 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. |  | Hazard Insurance Policy Expiration Date [redacted], Note Date[redacted] |  |  |  | Reviewer Comment (2025-08-05): Cleared.<br>Buyer Comment (2025-07-31): updated insurance policy with effective dates after closing | 08/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 475 (redacted) |  | 34610493 |  | 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] |  |  |  | Reviewer Comment (2025-08-14): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-08-13): [redacted], cure check, pccd with cover letter and [redacted]labels for [redacted] and check uploaded<br>Reviewer Comment (2025-08-08): The payoff demand fee is considered a finance charge and is not specifically excluded by [redacted](c)(7). Cure is required in the amount of $[redacted]. Remediation package requires PCCD, LOE, copy of refund check, reopening of rescission and proof of delivery. Further, the RTC must allow the borrower [redacted] to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-08-01): The Title-Payoff Demand Fee could be a finance charge and appears to be a fee that would not be charged in a typical cash only transaction. Please provide a lender attestation giving the specific services and purposes performed on the fee for further determination.<br>Buyer Comment (2025-07-31): title-payoff demand fee is included in [redacted]finance charge, but this fee is not a finance charge. Please see mavent report uploaded that excludes this fee from the calculation. Consummate CD is accurate |  | 08/14/2025 |  | 2 C B |  | MI | 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) | 475 (redacted) |  | 34610494 |  | 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 (2025-08-14): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Buyer Comment (2025-08-13): [redacted], cure check, pccd with cover letter and [redacted]labels for [redacted] and check uploaded<br>Reviewer Comment (2025-08-08): The payoff demand fee is considered a finance charge and is not specifically excluded by [redacted](c)(7). Cure is required in the amount of $[redacted]. Remediation package requires PCCD, LOE, copy of refund check, reopening of rescission and proof of delivery. Further, the RTC must allow the borrower [redacted] to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-08-01): The Title-Payoff Demand Fee could be a finance charge and appears to be a fee that would not be charged in a typical cash only transaction. Please provide a lender attestation giving the specific services and purposes performed on the fee for further determination<br>Buyer Comment (2025-07-31): title-payoff demand fee is included in [redacted]finance charge, but this fee is not a finance charge. Please see mavent report uploaded that excludes this fee from the calculation. Consummate CD is accurate |  | 08/14/2025 |  | 2 C B |  | MI | 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) | 476 (redacted) |  | 34610496 |  | 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. |  |  |  |  |  | Reviewer Comment (2025-08-04): Documents received, system cleared.<br>Buyer Comment (2025-07-31): disaster reinspection report | 08/04/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 476 (redacted) |  | 34610498 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [redacted] is less than the guideline minimum of [redacted] for a first time homebuyer. | 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 4 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. | [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). | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors. |  |  | 07/23/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 478 (redacted) |  | 34610504 |  | 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] |  |  |  | Reviewer Comment (2025-08-07): [redacted]received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-08-05): pr and pccd with cover letter |  | 08/07/2025 |  | 2 C B |  | NY | 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) | 479 (redacted) |  | 34610505 |  | 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. |  |  |  |  | Buyer Comment (2025-07-25): accept |  |  | 07/25/2025 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 479 (redacted) |  | 34610507 |  | 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]0 threshold. | 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 (2025-09-18): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-09-17): Corrected [redacted]Uploaded<br>Reviewer Comment (2025-08-06): The RTC must allow the borrower [redacted] to cancel the transaction from date of delivery. The RTC was delivered on [redacted], but also expired on [redacted], so the borrower was not allowed a three-day waiting period. Please reopen RTC with proof of delivery of RTC and allowing three or more day waiting period before RTC expires.<br>Buyer Comment (2025-08-05): PCCD, LOE, cure check, and [redacted] uploaded. |  | 09/18/2025 |  | 2 C B |  | UT | 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) | 479 (redacted) |  | 34610510 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for non-warrantable condo. | 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.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-23): Lender Exception with Compensating Factors. |  |  | 07/23/2025 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 480 (redacted) |  | 34610512 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-07-30): Documents received, system cleared.<br>Buyer Comment (2025-07-28): Loan consent form | 07/30/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 480 (redacted) |  | 34610514 |  | 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 charges does not match with the Final Closing Disclosure charges. |  |  |  | Reviewer Comment (2025-07-30): Documents received, system cleared.<br>Buyer Comment (2025-07-29): initial escrow acct disc | 07/30/2025 |  |  | 1 B A |  | NY | 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) | 480 (redacted) |  | 34610515 |  | 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] 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 (2025-07-30): Documents received, system cleared.<br>Buyer Comment (2025-07-28): email delivery of appraisal report | 07/30/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| (redacted) | 481 (redacted) |  | 34610517 |  | 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 10% 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 (2025-07-28): [redacted]received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-07-25): Uploaded [redacted]and pay history |  | 07/28/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 481 (redacted) |  | 34610518 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] 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] Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-07-28): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/28/2025 |  | 1 A |  | NY | 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) | 482 (redacted) |  | 34610520 |  | 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 (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 484 (redacted) |  | 34610523 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br>Rural Property (Guideline: Rural property is ineligible). | 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. | [redacted] years on job.<br>Residual income is greater than[redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-23): Client elects to waive with compensating factors. |  |  | 07/23/2025 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 485 (redacted) |  | 34610530 |  | 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. |  |  |  |  | Buyer Comment (2025-07-29): accept |  |  | 07/29/2025 | 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) | 485 (redacted) |  | 34610531 |  | 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] Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Lender-signed [redacted] Fair Market Value Uploaded | 07/31/2025 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | 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) | 485 (redacted) |  | 34610532 |  | 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 (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 485 (redacted) |  | 34610533 |  | 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 ___. | Calculated investor qualifying disposable income of [redacted] is less than AUS required disposable income 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 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. | [redacted] years on job.<br>Total monthly payment savings of [redacted] or more per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610536 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary residence Mortgage payment is unverifiable. Guideline require verification of mortgage on all properties owned. | Borrower has verified disposable income of 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 representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted] lower than matrix.<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>Originator | Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-11): x<br>Reviewer Comment (2025-08-11): Provided.<br>Buyer Comment (2025-08-04): this condition only called for mortgage verification, please review [redacted] approval and clear this specific condition based on credit exception stated<br>Reviewer Comment (2025-08-01): Exception layered with other conditions,will be cleared once income /employment conditions are met.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted], [redacted]and Eve if reviewer is unable to downgrade and waive exception |  |  | 08/11/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610537 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent [redacted]months. |  | Borrower started earning self-employment income from [redacted]. [redacted] months Bank statements provided from [redacted] to [redacted]. Guideline requires at least[redacted]onth Bank statement. |  |  |  | Reviewer Comment (2025-09-30): [redacted]month provided.<br>Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared.<br>Buyer Comment (2025-08-07): [redacted]stmt<br>Reviewer Comment (2025-08-06): Income worksheet uploaded, however, actual bank statement is required.<br>Buyer Comment (2025-08-04): updated [redacted] and approval with income corrected per updated worksheet uploaded<br>Buyer Comment (2025-08-04): updated income worksheet<br>Reviewer Comment (2025-08-01): Exception approved by [redacted] is for self employment less than [redacted]years. [redacted]months Bank statements provided from June [redacted]to [redacted] do not meet the guidelines requirements of [redacted]months.Please provide.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted], [redacted]and Eve if reviewer is unable to downgrade and waive exception | 09/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610539 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing Wire confirmation / Deposit receipt from Closing agent for Gift funds of [redacted]. Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-08-01): Provided.<br>Buyer Comment (2025-07-30): $[redacted] - $[redacted]gift funds = $[redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted][redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = 7 months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): wire from gift | 08/01/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610540 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets available for reserves [redacted] is not sufficient for [redacted] months reserves requirement. File is also missing Wire confirmation / Deposit receipt from Closing agent for Gift funds of [redacted] Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-08-01): Provided.<br>Buyer Comment (2025-07-30): $[redacted] - $[redacted]gift funds = $[redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $3[redacted]00 gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted] funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted] EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted] + $[redacted]gift + $[redacted]EMD + $7[redacted]8 POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted] gift + $[redacted] EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): wire for gift funds uploaded | 08/01/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610541 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets available for reserves [redacted] is not sufficient for [redacted] months reserves requirement. Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-08-01): Provided.<br>Buyer Comment (2025-07-30): $[redacted] gift funds = $[redacted] = $[redacted] months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves | 08/01/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610542 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  | Borrower has verified disposable income of 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 representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted] lower than matrix.<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>Originator | Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared.<br>Buyer Comment (2025-08-07): [redacted] bk stmt<br>Reviewer Comment (2025-08-06): Income worksheet uploaded, however, actual bank statement is required.<br>Buyer Comment (2025-08-04): updated [redacted] and approval with income corrected per updated worksheet uploaded<br>Buyer Comment (2025-08-04): updated income worksheet<br>Reviewer Comment (2025-08-01): Exception approved by [redacted] is for self employment less than 2 years. [redacted]months Bank statements provided from [redacted] do not meet the guidelines requirements of [redacted]months.Please provide.<br>Buyer Comment (2025-07-30): 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<br>Reviewer Comment (2025-07-28): Regraded to [redacted]-B based on lender exception outlining variance and compensating factors. |  |  | 08/11/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610545 |  | 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 mismatch due to not self-employed 2 years, [redacted]months bank statement not provided and 6 months reserve requirement not met, missing Wire/Deposit receipt for Gift funds. Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-08-11): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared.<br>Buyer Comment (2025-08-07): [redacted] bank stmt<br>Reviewer Comment (2025-08-06): Income worksheet uploaded, however, actual bank statement is required.<br>Buyer Comment (2025-08-04): updated [redacted] and approval with income corrected per updated worksheet uploaded<br>Buyer Comment (2025-08-04): updated income worksheet<br>Reviewer Comment (2025-08-01): Exception approved by [redacted] is for self employment less than [redacted]years. [redacted]months Bank statements provided from [redacted] do not meet the guidelines requirements of [redacted][redacted]months.Please provide.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception<br>Buyer Comment (2025-07-30): $[redacted]- $[redacted]gift funds = $[redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]reserves / $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted] EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]/ $[redacted]PITIA = [redacted]months reserves | 08/11/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| (redacted) | 487 (redacted) |  | 34610546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay ([redacted]): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Borrower started earning self-employment income from[redacted]. 11 months Bank statements provided from June [redacted]to April [redacted]. Guideline requires at least [redacted]-month Bank statement. |  |  |  | Reviewer Comment (2025-08-08): Cleared<br>Buyer Comment (2025-08-07): [redacted]stmt<br>Reviewer Comment (2025-08-06): Income worksheet uploaded, however, actual bank statement is required.<br>Buyer Comment (2025-08-04): updated [redacted] and approval with income corrected per updated worksheet uploaded<br>Buyer Comment (2025-08-04): updated income worksheet<br>Reviewer Comment (2025-08-01): Exception approved by [redacted] is for self employment less than[redacted] years. [redacted]months Bank statements provided from June [redacted]to [redacted] do not meet the guidelines requirements of [redacted]months.Please provide.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception | 08/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610547 |  | 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 not being self-employed [redacted] years, [redacted]months bank statement not provided and [redacted] months reserve requirement not met, missing Wire/Deposit receipt for Gift funds. Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-09-05): Lender exception with compensating factors, bank statement provided and asset documentation provided, system cleared.<br>Reviewer Comment (2025-09-05): ...<br>Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Regraded to EV2-B based on post-close lender exception.<br>Buyer Comment (2025-08-11): please specify what is missing or needed to cure condition, no notes from reviewer other than cleared in error<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared<br>Buyer Comment (2025-08-07): [redacted]stmt<br>Reviewer Comment (2025-08-06): Income worksheet uploaded, however, actual bank statement is required.<br>Buyer Comment (2025-08-04): updated [redacted]and approval with income corrected per updated worksheet uploaded<br>Buyer Comment (2025-08-04): income worksheet updated<br>Reviewer Comment (2025-08-01): Exception approved by [redacted] is for self employment less than [redacted] years. [redacted]months Bank statements provided from [redacted] do not meet the guidelines requirements of [redacted]months.Please provide.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception<br>Buyer Comment (2025-07-30): $[redacted]- $[redacted]gift funds = $[redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]reserves / $[redacted]PITIA = [redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted] POC = $[redacted]- $[redacted]funds to close = $[redacted]reserves / $[redacted]PITIA = [redacted]months reserves | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610549 |  | 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.) | Waterfall due to not being self-employed [redacted] years, [redacted]months bank statement not provided and [redacted] months reserve requirement not met, missing Wire/Deposit receipt for Gift funds. Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-09-05): Lender exception with compensating factors, bank statement provided and asset documentation provided, system cleared.<br>Reviewer Comment (2025-09-05): ...<br>Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Regraded to EV2-B based on post-close lender exception.<br>Buyer Comment (2025-08-11): please specify what is missing or needed to cure condition, no notes from reviewer other than cleared in error<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared<br>Buyer Comment (2025-08-07): [redacted] stmt<br>Reviewer Comment (2025-08-06): Income worksheet uploaded, however, actual bank statement is required.<br>Buyer Comment (2025-08-04): updated [redacted]and approval with income corrected per updated worksheet uploaded<br>Buyer Comment (2025-08-04): updated income worksheet<br>Reviewer Comment (2025-08-01): Exception approved by [redacted] is for self employment less than [redacted]years. [redacted]months Bank statements provided from [redacted] do not meet the guidelines requirements of [redacted]months.Please provide.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception<br>Buyer Comment (2025-07-30): $[redacted]- $[redacted]gift funds = $[redacted]months reserves<br>Buyer Comment (2025-07-30): gift wire, emd wire, appraisal and credit report invoices uploaded. Total verified assets $[redacted]+ $[redacted]gift + $[redacted]EMD + $[redacted]POC = $[redacted]- $[redacted]funds to close = $[redacted]reserves / $[redacted]PITIA = [redacted]months reserves | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610550 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to not being self-employed [redacted] years, [redacted] months bank statement not provided and 6 months reserve requirement not met, missing Wire/Deposit receipt for Gift funds. Lender exception comp factor states borrower's own funds and no gifts. Borrower short reserve which include gift funds. |  |  |  | Reviewer Comment (2025-08-11): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared | 08/11/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610552 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has not been self-employed for [redacted]years as required by guidelines. | Borrower has verified disposable income of 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 representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted] lower than matrix.<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>Originator | Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-30): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception |  |  | 08/11/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 487 (redacted) |  | 34610553 |  | 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. | riginator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2025-09-05): Lender exception with compensating factors, bank statement provided and asset documentation provided, system cleared.<br>Reviewer Comment (2025-09-05): ..<br>Reviewer Comment (2025-08-11): Client elects to waive.<br>Buyer Comment (2025-08-11): please specify what is missing or needed to cure condition, no notes from reviewer other than cleared in error<br>Reviewer Comment (2025-08-08): Cleared in error.<br>Reviewer Comment (2025-08-08): Cleared | 09/05/2025 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 487 (redacted) |  | 34610554 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender exception with compensating factors, system cleared. | Borrower has verified disposable income of 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 representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted] lower than matrix.<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>Originator | Reviewer Comment (2025-08-11): Client elects to waive.<br>Reviewer Comment (2025-08-11): Client elects to waive with compensating factors. |  |  | 08/11/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 488 (redacted) |  | 34610559 |  | 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]% tolerance was exceeded by $[redacted]due to Loan Discount Points. No valid COC provided., Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-04): [redacted] received earliest e-consent and as per COC.<br>Buyer Comment (2025-07-31): [redacted] e-consent<br>Reviewer Comment (2025-07-31): [redacted]received e-consent dated [redacted] which is [redacted] years older than current transaction. Please provide e-consent for current transaction.<br>Buyer Comment (2025-07-30): e-consent signed [redacted]<br>Reviewer Comment (2025-07-30): [redacted]: The valid COC that was provided in the trailing images was also provided in the original loan package. But, the esign certificate of compliance document provided in the loan file indicates electronic report and signature disclosure accepted by borrower on [redacted], after the date of valid COC. Provide earliest esign consent document to reevaluate this exception<br>Buyer Comment (2025-07-29): COC uploaded updating baseline to $[redacted], please review and advise if condition can be waived | 08/04/2025 |  |  | 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) | 488 (redacted) |  | 34610560 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval provided incomplete. |  |  |  | Reviewer Comment (2025-07-30): Approval provided<br>Buyer Comment (2025-07-28): complete non agency loan approval | 07/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 488 (redacted) |  | 34610561 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business has been 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 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 gifts or DPA).<br>Qualifying ratios of [redacted] or less. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-30): Lender Exception with Compensating Factors.<br>Reviewer Comment (2025-07-30): Regraded to EV2-B based on lender exception with sufficient compensating factors.<br>Buyer Comment (2025-07-28): Exception approved by [redacted] and meets exception policy guideline. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 07/30/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 489 (redacted) |  | 34610563 |  | 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] business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-30): initial appraisal, revised appraisal and sure receipt delivery for both uploaded<br>Buyer Comment (2025-07-30): please downgrade to exception grade [redacted] due to delivery after closing but no change in value<br>Buyer Comment (2025-07-30): appraisal delivery | 07/31/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 489 (redacted) |  | 34610564 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule ([redacted]): Appraisal not obtained prior to consummation. |  |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-30): initial appraisal, revised appraisal and sure receipt delivery for both uploaded<br>Buyer Comment (2025-07-30): please downgrade to exception grade [redacted] due to delivery after closing but no change in value<br>Buyer Comment (2025-07-30): appraisal delivery | 07/31/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 489 (redacted) |  | 34610565 |  | 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 evidence of appraisal being sent to borrower [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-30): initial appraisal, revised appraisal and sure receipt delivery for both uploaded<br>Buyer Comment (2025-07-30): please downgrade exception to grade [redacted]due to delivery after closing but no change in value<br>Buyer Comment (2025-07-30): appraisal delivery | 07/31/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 489 (redacted) |  | 34610567 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): state disclosure | 07/31/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 489 (redacted) |  | 34610568 |  | 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. | File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-07-29): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-07-28): pccd with cover letter, principal reduction applied and credit also applied at closing (see pages [redacted] and [redacted]of CD for credits applied)<br>Buyer Comment (2025-07-28): pccd with cover letter, principal reduction applied and credit also applied at closing (see pages [redacted]and [redacted]of CD for credits applied) |  | 07/29/2025 |  | 2 C B |  | IL | 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) | 489 (redacted) |  | 34610569 |  | 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 Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was disclosed on initial Loan estimate as $[redacted]but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-07-29): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-07-28): pccd with cover letter, principal reduction applied and credit also applied at closing (see pages [redacted]and [redacted]of CD for credits applied) |  | 07/29/2025 |  | 2 C B |  | IL | 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) | 489 (redacted) |  | 34610570 |  | 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 was disclosed on initial Loan estimate as $[redacted]but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-07-29): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-07-28): pccd with cover letter, principal reduction applied and credit also applied at closing (see pages [redacted]and [redacted]of CD for credits applied) |  | 07/29/2025 |  | 2 C B |  | IL | 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) | 489 (redacted) |  | 34610571 |  | 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 (2025-07-31): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/31/2025 |  | 1 A |  | IL | 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) | 489 (redacted) |  | 34610572 |  | 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 (2025-07-31): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/31/2025 |  | 1 A |  | IL | 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) | 489 (redacted) |  | 34610573 |  | 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 (2025-07-31): Sufficient Cure Provided within [redacted]Days of Closing |  | 07/31/2025 |  | 1 A |  | IL | 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) | 489 (redacted) |  | 34610575 |  | 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. | EV2 exception due to HPML and final appraisal report not provided to borrower [redacted] days prior to consummation. |  |  |  | Buyer Comment (2025-07-31): Approve |  |  | 07/31/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 491 (redacted) |  | 34610584 |  | 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 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 (2025-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-08-25): Attached signed [redacted] with reopened rescission date corrections.<br>Reviewer Comment (2025-08-21): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2025-08-20): Attached cure, corrected CD, LOE, and proof of delivery. |  | 08/26/2025 |  | 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 equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Non QM | Non QM | Yes |
| (redacted) | 492 (redacted) |  | 34610588 |  | 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 5 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 5 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 (2025-08-05): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2025-08-05): [redacted], cure check, [redacted] label for check and pccd with cover letter uploaded<br>Buyer Comment (2025-08-04): cover letter and [redacted] label for notice of right to cancel re-execution request<br>Buyer Comment (2025-08-04): signed notice of right to cancel |  | 08/05/2025 |  | 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) | 492 (redacted) |  | 34610589 |  | 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] 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 (2025-08-01): Provided.<br>Buyer Comment (2025-07-30): appraisal delivery | 08/01/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 493 (redacted) |  | 34610592 |  | 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. | Originator Loan Designation mismatch due to Business Account Statement missing for August [redacted]for Account ending#[redacted] |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August [redacted]statement for account ending in #[redacted] uploaded. | 08/12/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 493 (redacted) |  | 34610593 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than [redacted]Months | Ability to Repay (Dodd-Frank [redacted]): Guidelines require less than [redacted]consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August [redacted]statement for account ending in #[redacted]uploaded. | 08/12/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 493 (redacted) |  | 34610594 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business Account Statement missing for August [redacted]for Account ending#[redacted]. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August[redacted] statement for account ending in #[redacted]uploaded. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 493 (redacted) |  | 34610595 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Account Statement missing for August [redacted]for Account ending#[redacted]. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August [redacted] statement for account ending in #[redacted] uploaded. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 493 (redacted) |  | 34610597 |  | 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. | Business Account Statement missing for August [redacted]for Account ending#[redacted]. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August[redacted] statement for account ending in #[redacted]uploaded. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 493 (redacted) |  | 34610598 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Bank statement for account ending [redacted]for [redacted]. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August [redacted]statement for account ending in #[redacted]uploaded. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 493 (redacted) |  | 34610599 |  | 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.) | Bank statement for account ending [redacted]for [redacted]. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-05): August [redacted]statement for account ending in #[redacted]uploaded. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 495 (redacted) |  | 34610609 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 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>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Residual income is greater than [redacted]<br>[redacted] years on job.<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 495 (redacted) |  | 34610610 |  | 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 do not satisfy minimum reserve requirement. | 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. | Residual income is greater than [redacted]<br>[redacted] years on job.<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 495 (redacted) |  | 34610611 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets do not satisfy minimum reserve requirement. | 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. | Residual income is greater than [redacted]<br>[redacted] years on job.<br>Qualifying ratios of [redacted] or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 495 (redacted) |  | 34610612 |  | 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 reserve requirement not met. |  |  |  | Reviewer Comment (2025-07-24): Lender exception with compensating factors, system cleared. | 07/24/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 495 (redacted) |  | 34610613 |  | 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. | Assets do not satisfy minimum reserve requirement. |  |  |  | Reviewer Comment (2025-07-24): Lender exception with compensating factors, system cleared. | 07/24/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 495 (redacted) |  | 34610614 |  | 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.) | Assets do not satisfy minimum reserve requirement. |  |  |  | Reviewer Comment (2025-07-24): Lender exception with compensating factors, system cleared. | 07/24/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 495 (redacted) |  | 34610615 |  | 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. | No cure or CoC provided for increase in loan discount points. |  |  |  | Reviewer Comment (2025-07-24): Lender exception with compensating factors, system cleared. | 07/24/2025 |  |  | 1 C A |  | CT | 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) | 496 (redacted) |  | 34610621 |  | 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] 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. | E-sign consent date is [redacted] prior to when initial loan estimate was sent of[redacted]. |  |  |  | Reviewer Comment (2025-08-11): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted].<br>Buyer Comment (2025-08-08): Please see attached. | 08/11/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 496 (redacted) |  | 34610622 |  | 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. | Collateral Desktop Analysis Fee disclosed as $[redacted]on Loan Estimate dated[redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-08-20): Attached cure completed.<br>Reviewer Comment (2025-08-11): [redacted]received rebuttal comment, but there seems to be no valid Changed Circumstances in the loan file for the fee was added. Also, missing additional information and file documentation to confirm if a valid changed circumstance. Changing product are not considered valid changed circumstances in and of themselves, however, a change in fees due to the selection of a new product based on ineligibility for prior loan programs or terms may be valid changed circumstances. Also, there is no changes in product between the Broker and [redacted] LE. Please provide additional information to support the product change to add the CDA fee or Cure is required to borrower. If there was an additional reason the fee added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Buyer Comment (2025-08-08): The broker LE did not disclose the collateral desktop analysis but the first disclosure from [redacted] did disclose it at $[redacted]. The desktop analysis is a requirement of this loan product with [redacted], so this would be considered an underwriting requirement and a valid COC once [redacted] was chosen to be the lender. |  | 08/21/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 497 (redacted) |  | 34610627 |  | 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] missing evidence of receipt |  |  |  | Reviewer Comment (2025-07-31): Provided.<br>Buyer Comment (2025-07-29): SureReceipts showing delivery uploaded. | 07/31/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 497 (redacted) |  | 34610628 |  | 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] business days from transaction date of[redacted]. | Subject loan transaction disbursed on[redacted], prior to [redacted] business days from transaction date of [redacted]. |  |  |  | Reviewer Comment (2025-08-26): Exception cleared with accurate material disclosures provided on the [redacted]issued CD which meets rescission timing requirements.<br>Reviewer Comment (2025-08-21): The RTC was signed and consummation both occurred on [redacted](as evidenced by the handwritten date next to the signature on the RTC and the Notary signature date on the Security Instrument). However, accurate material disclosures were not received until [redacted], as the [redacted] CD was not signed (used mailbox rule) and the previous CD (signed on [redacted]) did not contain accurate material disclosures. Exception can be cured through the reopening of rescission to ensure that the rescission possibility is extinguished. New rescission can be provided with RTC reflecting Transaction Date of [redacted] and a new rescission expiration date which must be at least[redacted] business days from when consumer receives the new rescission notice. We would require proof of delivery as part of the cure to ensure the requisite [redacted] have been given.<br>Buyer Comment (2025-08-07): [redacted] CD was issued post-close by the funder. Which was later revised and sent again on[redacted]. Being that the [redacted] CD was issued post-close, the mailbox rule is not applicable.<br>Reviewer Comment (2025-08-05): Per our compliance department:The Rescission period on a loan starts when the latest of three things occurs:<br>1. The receipt of the notice of right to cancel (RTC signed [redacted]);<br> 2. The consummation of the loan (Notary Date [redacted]); and<br> 3. The receipt by the consumer of the accurate material disclosures (Final CD issued on [redacted] - not signed so Mailbox Rule establishes receipt date as [redacted]). Please provide evidence of when the borrower received the [redacted] CD, to use that date to establish the receipt of the material disclosures or a new rescission can be provided with RTC reflecting Transaction Date of [redacted]and a new rescission expiration date which must be at least [redacted] business days from when consumer receives the new rescission notice. Proof delivery required.<br>Buyer Comment (2025-07-29): Consummation occurred [redacted], and uploaded funding worksheet reflects the funds were dispersed[redacted], [redacted]days after the transaction. | 08/26/2025 |  |  | 1 C A |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 497 (redacted) |  | 34610629 |  | 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). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  | Reviewer Comment (2025-08-26): Exception cleared with accurate material disclosures provided on the [redacted]issued CD which meets rescission timing requirements.<br>Reviewer Comment (2025-08-21): The RTC was signed and consummation both occurred on [redacted] (as evidenced by the handwritten date next to the signature on the RTC and the Notary signature date on the Security Instrument). However, accurate material disclosures were not received until [redacted], as the [redacted] CD was not signed (used mailbox rule) and the previous CD (signed on [redacted]) did not contain accurate material disclosures. Exception can be cured through the reopening of rescission to ensure that the rescission possibility is extinguished. New rescission can be provided with RTC reflecting Transaction Date of [redacted] and a new rescission expiration date which must be at least [redacted]business days from when consumer receives the new rescission notice. We would require proof of delivery as part of the cure to ensure the requisite [redacted] have been given.<br>Buyer Comment (2025-08-07): [redacted] CD was issued post-close by the funder. Which was later revised and sent again on [redacted]. Being that the [redacted] CD was issued post-close, the mailbox rule is not applicable.<br>Reviewer Comment (2025-08-05): Per our compliance department:The Rescission period on a loan starts when the latest of three things occurs:<br>1. The receipt of the notice of right to cancel (RTC signed [redacted]);<br> 2. The consummation of the loan (Notary Date [redacted]); and<br> 3. The receipt by the consumer of the accurate material disclosures (Final CD issued on [redacted] - not signed so Mailbox Rule establishes receipt date as [redacted]). Please provide evidence of when the borrower received the [redacted] CD, to use that date to establish the receipt of the material disclosures or a new rescission can be provided with RTC reflecting Transaction Date of [redacted] and a new rescission expiration date which must be at least [redacted] business days from when consumer receives the new rescission notice. Proof delivery required.<br>Buyer Comment (2025-07-29): Consummation occurred [redacted], recission expired [redacted] and funds disbursed [redacted] | 08/26/2025 |  |  | 1 C A |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 497 (redacted) |  | 34610630 |  | 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 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 (2025-07-31): Provided.<br>Reviewer Comment (2025-07-30): [redacted] Corrected PCCD and Payment history present in file; however, LOE not received. Provide LOE describing the changes made on PCCD.<br>Buyer Comment (2025-07-29): D0[redacted] (CD [redacted]) page [redacted] shows PR cure for $[redacted] and D[redacted] shows pay history confirming it's been posted. | 07/31/2025 |  |  | 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) | 497 (redacted) |  | 34610631 |  | 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]. Insufficient or no cure was provided to the borrower. | Electronic Document Delivery 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 (2025-07-31): Provided.<br>Reviewer Comment (2025-07-30): [redacted] Corrected PCCD and Payment history present in file; however, LOE not received. Provide LOE describing the changes made on PCCD.<br>Buyer Comment (2025-07-29): D[redacted](CD [redacted]) page[redacted] shows PR cure for $[redacted]and D[redacted] shows pay history confirming it's been posted. | 07/31/2025 |  |  | 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) | 497 (redacted) |  | 34610632 |  | 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 (2025-07-30): Sufficient Cure Provided within [redacted] Days of Closing |  | 07/30/2025 |  | 1 A |  | NY | 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) | 497 (redacted) |  | 34610633 |  | 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 (2025-07-30): Sufficient Cure Provided within [redacted] Days of Closing |  | 07/30/2025 |  | 1 A |  | NY | 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) | 498 (redacted) |  | 34610636 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for log home. | 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>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] | Documents received, system cleared.<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>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-24): Documents received, system cleared. |  |  | 07/24/2025 | 2 B |  | ID | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 499 (redacted) |  | 34610637 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Data Verify | 07/31/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 499 (redacted) |  | 34610640 |  | 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 (2025-07-24): Sufficient Cure Provided At Closing |  | 07/24/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 501 (redacted) |  | 34610649 |  | 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. | File is missing evidence the Closing Disclosure was provided at least [redacted] days prior to closing. Missing initial Closing Disclosure. |  |  |  | Reviewer Comment (2025-08-04): [redacted] received CD dated [redacted]<br>Buyer Comment (2025-08-01): ICD from[redacted] uploaded. No change in loan program, PPP, or APR greater than[redacted]% | 08/04/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 501 (redacted) |  | 34610651 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural property ineligible. | 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. | Residual income is greater than [redacted]<br>[redacted] years on job.<br>Qualifying ratios of [redacted]or less. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-29): Client elects to waive with compensating factors. |  |  | 07/29/2025 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 502 (redacted) |  | 34610654 |  | 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], a valid COC nor cure provided to borrower at closing. |  |  |  | Reviewer Comment (2025-08-13): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-08-12): Please see PCCD & pymt history showing an additional cure of $[redacted]due to an increase in settlement charges from $[redacted]to $[redacted] with [redacted]% allowance. |  | 08/13/2025 |  | 2 C B |  | IL | 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) | 503 (redacted) |  | 34610656 |  | 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 (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-12): Evidence borrower was delivered appraisal[redacted] uploaded.<br>Reviewer Comment (2025-08-05): Trailing proof of delivery provided reflects date of delivery as [redacted] which is prior to the appraisal report date of [redacted]. Proof delivery for appraisal report dated [redacted] is required.<br>Buyer Comment (2025-08-01): Evidence of delivery and borrower receipt of appraisal reports uploaded. | 08/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610657 |  | 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 dated[redacted], proof of delivery is not provided within [redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-12): Evidence borrower was delivered appraisal [redacted] uploaded.<br>Reviewer Comment (2025-08-05): Trailing proof of delivery provided reflects date of delivery as [redacted]which is prior to the appraisal report date of [redacted]. Proof delivery for appraisal report dated [redacted]is required.<br>Buyer Comment (2025-08-01): Evidence of delivery and borrower receipt of appraisal reports uploaded. | 08/14/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610661 |  | 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] 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 (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-12): Evidence borrower was delivered appraisal [redacted] uploaded.<br>Reviewer Comment (2025-08-05): Trailing proof of delivery provided reflects date of delivery as[redacted] which is prior to the appraisal report date of [redacted]. Proof delivery for appraisal report dated [redacted] is required.<br>Buyer Comment (2025-08-01): Evidence of delivery and borrower receipt of appraisal reports uploaded. | 08/14/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610662 |  | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of [redacted]years. |  | Lender exception provided however relevant compensating factors or specific alternative documentation supporting the acceptance of less than [redacted]years of self employment not provided. Please provide. | 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 [redacted]<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>Originator,SitusAMC | Reviewer Comment (2025-08-07): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-01): NAQ Approval Summary uploaded reflecting adequate and relevant compensating factors of:<br> CAT A - Residual income greater than $[redacted]<br> CAT A - Excellent credit management with FICO [redacted]+<br> CAT B - Borrower's own funds used for down payment and closing costs<br> CAT B - Conservative/minimal use of revolving credit<br>The approved exception is sufficient documentation supporting the acceptance of less than [redacted] years self employment. |  |  | 08/07/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610663 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Unverifiable housing history.([redacted]month rent verification 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>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 [redacted]<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>Originator,SitusAMC | Reviewer Comment (2025-08-07): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-01): NAQ Approval Summary uploaded reflecting compensating factors of:<br> CAT A - Residual income greater than $[redacted]<br> CAT A - Excellent credit management with FICO [redacted]+<br> CAT B - Borrower's own funds used for down payment and closing costs<br> CAT B - Conservative/minimal use of revolving credit<br>The approved exception is sufficient documentation supporting the acceptance of [redacted] exceptions. |  |  | 08/07/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610664 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender exception provided however relevant compensating factors or specific alternative documentation supporting the acceptance of less than [redacted] years of self employment not provided. Please provide. | 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 [redacted]<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>Originator,SitusAMC | Reviewer Comment (2025-08-07): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-01): NAQ Approval Summary uploaded reflecting adequate and relevant compensating factors of:<br> CAT A - Residual income greater than $[redacted]<br> CAT A - Excellent credit management with FICO [redacted]+<br> CAT B - Borrower's own funds used for down payment and closing costs<br> CAT B - Conservative/minimal use of revolving credit<br>The approved exception is sufficient documentation supporting the acceptance of less than [redacted] years self employment. |  |  | 08/07/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610665 |  | 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 provided however relevant compensating factors or specific alternative documentation supporting the acceptance of less than [redacted] years of self employment not provided. Please provide. |  |  |  | Reviewer Comment (2025-08-07): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-08-01): NAQ Approval Summary uploaded reflecting adequate and relevant compensating factors of:<br> CAT A - Residual income greater than $[redacted]<br> CAT A - Excellent credit management with FICO [redacted]+<br> CAT B - Borrower's own funds used for down payment and closing costs<br> CAT B - Conservative/minimal use of revolving credit<br>The approved exception is sufficient documentation supporting the acceptance of less than [redacted] years self employment. | 08/07/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 503 (redacted) |  | 34610666 |  | 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.) | Lender exception provided however relevant compensating factors or specific alternative documentation supporting the acceptance of less than [redacted] years of self employment not provided. Please provide.. |  |  |  | Reviewer Comment (2025-08-07): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-08-01): NAQ Approval Summary uploaded reflecting adequate and relevant compensating factors of:<br> CAT A - Residual income greater than $[redacted]<br> CAT A - Excellent credit management with FICO [redacted]+<br> CAT B - Borrower's own funds used for down payment and closing costs<br> CAT B - Conservative/minimal use of revolving credit<br>The approved exception is sufficient documentation supporting the acceptance of less than [redacted] years self employment. | 08/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 503 (redacted) |  | 34610667 |  | 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 business in existence for less than [redacted]years. |  |  |  | Reviewer Comment (2025-08-07): Lender exception with compensating factors, system cleared.<br>Buyer Comment (2025-08-01): NAQ Approval Summary uploaded reflecting adequate and relevant compensating factors of:<br> CAT A - Residual income greater than $[redacted]<br> CAT A - Excellent credit management with FICO [redacted]+<br> CAT B - Borrower's own funds used for down payment and closing costs<br> CAT B - Conservative/minimal use of revolving credit<br>The approved exception is sufficient documentation supporting the acceptance of less than [redacted] years self employment. | 08/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 504 (redacted) |  | 34610669 |  | 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 (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): Please see attached proof of appraisal been delivered to bwr on [redacted] | 08/08/2025 |  |  | 1 B A |  | RI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 504 (redacted) |  | 34610670 |  | 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 (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): Please see attached proof of appraisal been delivered to bwr on [redacted] | 08/08/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 504 (redacted) |  | 34610671 |  | 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 (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): Please see attached proof of appraisal been delivered to bwr on [redacted] | 08/08/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 504 (redacted) |  | 34610675 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title is vested in a business not the borrower's name. Warranty deed not in file to verify when the borrower was transferred to title. |  |  |  | Reviewer Comment (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): Please see attached Quit Claim Deed showing as Sole Owner to[redacted] | 08/08/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 504 (redacted) |  | 34610676 |  | 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 (2025-07-29): Sufficient Cure Provided At Closing |  | 07/29/2025 |  | 1 A |  | RI | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 505 (redacted) |  | 34610680 |  | 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 valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-05): [redacted] received PCCD, LOE and payment history for princiapl reduction of cure.<br>Buyer Comment (2025-08-01): D[redacted] is the PC CD documenting PR cure of $[redacted] for closing costs that exceed tolerance, D[redacted] is the pay history confirming the posted cure, and D[redacted] is the LOE sent to the borrower for the PC CD. |  | 08/05/2025 |  | 2 C B |  | MD | 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) | 505 (redacted) |  | 34610681 |  | 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/05/2025 |  | 1 A |  | MD | 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) | 506 (redacted) |  | 34610686 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] [redacted]- No evidence of required counseling disclosure language per [redacted] HB [redacted]. | No evidence of required counseling disclosure language per [redacted] HB [redacted]. |  |  |  | Reviewer Comment (2025-08-06): Provided.<br>Buyer Comment (2025-08-04): Please see the attached Important Notice Regarding Housing Counseling. | 08/06/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 506 (redacted) |  | 34610687 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Missing written disclosure of non-higher priced loans from file. |  |  |  | Buyer Comment (2025-08-06): Approve<br>Reviewer Comment (2025-08-06): Disclosure of Non-HPML loans borrower qualifies for not uploaded with trailing documents. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-08-04): Please see the attached Important Notice Regarding Housing Counseling. |  |  | 08/06/2025 | 2 B |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 506 (redacted) |  | 34610688 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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 Loan. | [redacted] calculated APR exceeds threshold of APR [redacted]%. |  |  |  | Buyer Comment (2025-08-06): Approve<br>Reviewer Comment (2025-08-06): Calculated APR exceeds threshold of APR [redacted]%. Exception is an EV2 which can be elected to waive.<br>Buyer Comment (2025-08-04): Please see the attached Important Notice Regarding Housing Counseling. |  |  | 08/06/2025 | 2 B |  | MD | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| (redacted) | 507 (redacted) |  | 34610692 |  | 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] business days from transaction date of[redacted]. | Final Closing disclosure dated[redacted] is missing confirmation of receipt and signature date. |  |  |  | Reviewer Comment (2025-09-11): Cure documentation received.<br>Buyer Comment (2025-09-04): [redacted] reopened and resigned<br>Reviewer Comment (2025-08-06): Two different CDs were issued on [redacted]. CD issued on[redacted] with time stamp of[redacted] PM PST is missing confirmation of receipt and signature date.<br>Buyer Comment (2025-08-04): Uploaded [redacted] CD signed and dated [redacted]<br>Buyer Comment (2025-08-04): signed CD |  | 09/11/2025 |  | 2 C B |  | TN | 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) | 507 (redacted) |  | 34610693 |  | 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 Closing disclosure dated [redacted] is missing confirmation of receipt and signature date. |  |  |  | Reviewer Comment (2025-09-11): Cure documentation received.<br>Buyer Comment (2025-09-04): [redacted] reopened and signed<br>Reviewer Comment (2025-08-06): Two different CDs were issued on [redacted]. CD issued on [redacted] with time stamp of [redacted] PM PST is missing confirmation of receipt and signature date.<br>Buyer Comment (2025-08-04): [redacted] CD signed and dated [redacted] supporting rescission prior to closing<br>Buyer Comment (2025-08-04): signed CD |  | 09/11/2025 |  | 2 C B |  | TN | 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) | 508 (redacted) |  | 34610697 |  | 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] Received Corrected PCCD, LEO and Payment history.<br>Buyer Comment (2025-08-20): Attached cure completed.<br>Reviewer Comment (2025-08-11): [redacted] received Post CD, LOX and payment history. Kindly provide additional cure of $[redacted] with cure documents Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-08): Cure for $[redacted]is already processed. Please confirm an additional cure of $[redacted]will resolve the finding. |  | 08/21/2025 |  | 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) | 509 (redacted) |  | 34610700 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 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>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 | Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-31): Client elects to waive with compensating factors. |  |  | 07/31/2025 | 2 B |  | MO | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 510 (redacted) |  | 34610702 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Evidence of Taxpayer Consent is Missing |  |  |  | Reviewer Comment (2025-08-11): Provided.<br>Buyer Comment (2025-08-04): tax payer consent uploaded | 08/11/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 510 (redacted) |  | 34610704 |  | 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. | Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2025-08-13): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-12): PCCD with cover letter and PR |  | 08/13/2025 |  | 2 C B |  | OH | 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) | 510 (redacted) |  | 34610705 |  | 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>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.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-31): Lender Exception with Compensating Factors. |  |  | 07/31/2025 | 2 B |  | OH | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| (redacted) | 512 (redacted) |  | 34610712 |  | 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] Constitution Section [redacted](a)(6): [redacted] Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. |  |  |  |  | Reviewer Comment (2025-08-08): Provided at initial review.<br>Buyer Comment (2025-08-04): Final [redacted] signed prior to closing | 08/08/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 512 (redacted) |  | 34610713 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Lien was not voluntarily originated with the consent of all owners) | [redacted] Constitution Section [redacted](a)(6): [redacted] Cash-out Loan. Loan not originated voluntarily by consumer. Note not signed. |  |  |  |  | Reviewer Comment (2025-08-08): Provided at initial review.<br>Buyer Comment (2025-08-04): please clarify exception, copy of signed note in loan file D[redacted] | 08/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | With respect to the non-consent by owner, obtain their consent. However, with respect to the unsigned note, this could be an issue with the loan generally outside of 50(a)(6). <br> (Note: Failure to obtain the consent will result in not having a lien against the property) C A | Non QM | Non QM | Yes |
| (redacted) | 514 (redacted) |  | 34610719 |  | 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]. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-13): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-12): pccd with cover letter and pr<br>Reviewer Comment (2025-08-06): [redacted] received COC dated [redacted] for adding re-inspection fee but as per the file the appraisal ([redacted]) was received on [redacted] as subject to so the re-inspection fee should have been disclosed within [redacted] business days from the change received. Please provide more information regarding when lender has become aware of the change or cure would be required.<br>Buyer Comment (2025-08-04): coc for reinspection fee |  | 08/13/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 514 (redacted) |  | 34610721 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | Reviewer Comment (2025-08-08): Provided.<br>Buyer Comment (2025-08-04): tax consent signed | 08/08/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 514 (redacted) |  | 34610722 |  | 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. |  |  |  |  | Reviewer Comment (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): sure receipts | 08/08/2025 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 514 (redacted) |  | 34610723 |  | 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 (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): sure receipts | 08/08/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 514 (redacted) |  | 34610724 |  | 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 (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): sure receipts | 08/08/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 515 (redacted) |  | 34610726 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit report soft pull [redacted] Days expired after the [redacted]days guideline requirement. | 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. | Residual income is greater than[redacted]<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]lower than matrix.<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 (2025-07-31): Client elects to waive with compensating factors. |  |  | 07/31/2025 | 2 B |  | ID | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 515 (redacted) |  | 34610727 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural Property (guidelines do not allow for Rural Properties). | 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. | Residual income is greater than[redacted]<br>Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]lower than matrix.<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 (2025-07-31): Client elects to waive with compensating factors. |  |  | 07/31/2025 | 2 B |  | ID | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| (redacted) | 515 (redacted) |  | 34610733 |  | 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] business days prior to consummation | 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] business days prior to consummation |  |  |  | Reviewer Comment (2025-08-08): [redacted] received disclosure Tracking for CD dated [redacted] received to consumer within that timing requirement.<br>Buyer Comment (2025-08-07): Proof closing disclosure received uploaded. | 08/08/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Home Improvement | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| (redacted) | 516 (redacted) |  | 34610739 |  | 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. | Initial Loan Estimate reflects Title-Abstract Search fee as $[redacted], Post Close Closing Disclosure reflects as $[redacted]. Valid Cure or Changed circumstance not provided. |  |  |  | Reviewer Comment (2025-08-06): [redacted] received lender attestation for fee name similarity suffice.<br>Buyer Comment (2025-08-04): Attestation uploaded. | 08/06/2025 |  |  | 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) | 518 (redacted) |  | 34610748 |  | 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 (2025-08-13): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Waterfall | 08/13/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 518 (redacted) |  | 34610749 |  | 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 (2025-08-13): Documents received, system cleared.<br>Buyer Comment (2025-08-08): See attached, appraisal emailed to borrower same day. | 08/13/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 518 (redacted) |  | 34610751 |  | 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 (2025-08-13): [redacted] received Post CD and LOX.<br>Buyer Comment (2025-08-12): Corrected post-close CD attached and sent to borrower.<br>Reviewer Comment (2025-08-11): [redacted] received rebuttal comment. However, title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is [redacted] Title, LLC. Fees on CD were paid to [redacted], Inc and [redacted] National Title insurance company. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2025-08-08): The borrower shopped for lender's title insurance. The borrower acquired title insurance from [redacted] National Title Insurance Company rather than [redacted], who was the suggested provider. | 08/13/2025 |  |  | 1 C A |  | 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) | 518 (redacted) |  | 34610752 |  | 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 exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-11): [redacted] received rate lock document with additional rebuttal comment for a valid changed circumstance.<br>Buyer Comment (2025-08-08): The discount points increased to apply lock extensions. See attached. | 08/11/2025 |  |  | 1 C A |  | 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) | 518 (redacted) |  | 34610753 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo is ineligible. | Borrower has owned the subject property for at least [redacted] years.<br>The qualifying DTI on the loan is at least [redacted] less than the guideline maximum.<br>Miscellaneous | Residual income is greater than [redacted] | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-31): Client elects to waive with compensating factors. |  |  | 07/31/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 518 (redacted) |  | 34610754 |  | 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 (2025-08-13): Documents received, system cleared.<br>Buyer Comment (2025-08-08): See attachment to finding [redacted] | 08/13/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 518 (redacted) |  | 34610756 |  | 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 - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-13): Sufficient Cure Provided At Closing |  | 08/13/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 519 (redacted) |  | 34610765 |  | 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 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 (2025-08-07): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-05): PR and PCCD with cover letter |  | 08/07/2025 |  | 2 C B |  | ME | 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) | 519 (redacted) |  | 34610766 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  |  |  |  |  | Reviewer Comment (2025-08-11): Cleared.<br>Buyer Comment (2025-08-04): funds to close<br>Buyer Comment (2025-08-04): final CD from sale of residence supporting borrower's minimum investment uploaded | 08/11/2025 |  |  | 1 C A |  | ME | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 520 (redacted) |  | 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) | 520 (redacted) |  | 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) | 521 (redacted) |  | 34610775 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted](a)(6): Acceptable FNMA 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)(6) home equity loan.) | The loan file contains the T-[redacted]Endorsement, there is no evidence the Title Policy includes the [redacted] T-[redacted]endorsement. |  |  |  | Buyer Comment (2025-08-04): Accept |  |  | 08/04/2025 | 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 C B A | Non QM | Non QM | No |
| (redacted) | 521 (redacted) |  | 34610777 |  | 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 ___. | Lender requested an exception which was approved to Borrower does not meet the reserve requirements (Guidelines require [redacted] months reserves, borrower has verified 0) | 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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-31): Lender Exception with Compensating Factors. |  |  | 07/31/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 521 (redacted) |  | 34610778 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. $[redacted]POC - $[redacted]cash to borrower at closing = $[redacted]from borrower. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-04): Appraisal invoice showing $[redacted] paid via CC by borrower prior to closing. Cash to borrower $[redacted]. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 521 (redacted) |  | 34610779 |  | 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 reserves requirement not met. Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. $[redacted]POC - $[redacted]cash to borrower at closing = $[redacted]from borrower. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-04): Appraisal invoice showing $[redacted] paid via CC by borrower prior to closing. Cash to borrower $[redacted]. | 08/12/2025 |  |  | 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) | 521 (redacted) |  | 34610780 |  | 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.) | Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. $[redacted]POC - $[redacted]cash to borrower at closing = $[redacted]from borrower. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-04): Appraisal invoice showing $[redacted]paid via CC by borrower prior to closing. Cash to borrower $[redacted]. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 521 (redacted) |  | 34610781 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. $[redacted]POC - $[redacted]cash to borrower at closing = $[redacted]from borrower. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-04): Appraisal invoice showing $[redacted]paid via CC by borrower prior to closing. Cash to borrower $[redacted]. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 521 (redacted) |  | 34610782 |  | 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. | Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. $[redacted]POC - $[redacted]cash to borrower at closing = $[redacted]from borrower. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-04): Appraisal invoice showing $[redacted]paid via CC by borrower prior to closing. Cash to borrower $[redacted]. | 08/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 522 (redacted) |  | 34610785 |  | 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 (2025-08-05): [redacted]Received Corrected PCCD and Letter of explanation.<br>Buyer Comment (2025-08-04): PCCD, LOE, and pay history uploaded. |  | 08/05/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 522 (redacted) |  | 34610786 |  | 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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-05): [redacted]Received Corrected PCCD and Letter of explanation.<br>Buyer Comment (2025-08-04): PCCD, LOE, and pay history uploaded. |  | 08/05/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 522 (redacted) |  | 34610788 |  | 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. | Final Closing Disclosure provided on[redacted] disclosed whether insurance is included in escrow in incorrect section for tax and flood insurance. |  |  |  | Buyer Comment (2025-08-08): Approve<br>Reviewer Comment (2025-08-05): 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.<br>Buyer Comment (2025-08-04): Escrow Waiver uploaded. With this waiver, the Projected Payments section on the CD is correct. |  |  | 08/08/2025 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| (redacted) | 522 (redacted) |  | 34610789 |  | 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 (2025-08-05): Sufficient Cure Provided within[redacted] Days of Closing |  | 08/05/2025 |  | 1 A |  | NY | 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) | 522 (redacted) |  | 34610790 |  | 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 Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/05/2025 |  | 1 A |  | NY | 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) | 524 (redacted) |  | 34610796 |  | 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] 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. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-08-05): [redacted] received dislcosure summary.<br>Buyer Comment (2025-08-04): Please see attached e-sign dated and signed by bwr on [redacted] also, please see the initial LE signed and dated until [redacted] | 08/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 524 (redacted) |  | 34610798 |  | 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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-24): Please see PCCD, check for $[redacted] due to exceeding legal limits for appraisal fee review, Letter of explanation to borrower and [redacted] labels attached. |  | 09/25/2025 |  | 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) | 525 (redacted) |  | 34610803 |  | 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 - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Endorsement Fee was disclosed on initial Loan estimate as $[redacted]but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-06): [redacted] received rebuttal is sufficient.<br>Buyer Comment (2025-08-04): Could you please kindly review one more time this exception or either escalate this discrepancy to your team lead or Spv? The Service Provider List attached shows that bwr did not choose the preference closing agent, [redacted]. Per CD, also attached, she chose [redacted] as the closing agent. | 08/06/2025 |  |  | 1 C A |  | NJ | 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) | 527 (redacted) |  | 34610808 |  | 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 exceede, no valid COC nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-06): 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 (2025-08-04): Consummation CD, D[redacted]shows $[redacted]lender credit for the purpose of curing fees over legal limit in section J. | 08/06/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 527 (redacted) |  | 34610809 |  | 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 was disclosed on initial Loan estimate as $[redacted]but disclosed on final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-08-15): [redacted]received Letter of explanation, Corrected Closing disclosure and supporting email confirmation for the Survey fee service was shopped by the borrower and not selected the provider from the list.<br>Buyer Comment (2025-08-13): Uploaded email from borrower stating they were shopping locally to get survey service, email from title stating that the borrower would need to find the surveyor because they don't provide the service, survey invoice showing provider to be [redacted], and SSPL provided to borrower showing Hughes is not on the list. These documents prove borrower shopped for the service.<br>Reviewer Comment (2025-08-06): [redacted] received PCCD and LOE, however we are 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 (2025-08-04): Uploaded SSPL showing that the service provider [redacted] is not an affiliate or on our settlement service provider list and that the borrower shopped and therefore there is no tolerance for this fee. I've uploaded corrected PCCD to show this fee in section C. | 08/15/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 527 (redacted) |  | 34610810 |  | 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 - Tax Certificate Fee. Fee Amount of $[redacted]exceeds tolerance of $[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 |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 528 (redacted) |  | 34610812 |  | 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. | [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 (2025-08-04): accept |  |  | 08/04/2025 | 1 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| (redacted) | 528 (redacted) |  | 34610813 |  | 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 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. |  |  |  | Reviewer Comment (2025-08-05): [redacted]received valid COC dated [redacted]<br>Buyer Comment (2025-08-04): [redacted] is a COC corresponding to the [redacted] LE showing there was a rate lock extension and price change due to Underwriting Exception, valid COC re-baselines this fee to $[redacted]. cure not required. | 08/05/2025 |  |  | 1 C A |  | OK | 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) | 528 (redacted) |  | 34610814 |  | 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 (Optional). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Home Inspection Fee was disclosed as $[redacted]on 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 (2025-08-05): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2025-08-04): D[redacted] is PCCD showing combination for $[redacted] in lender credits for exceeding legal closing costs limit shown in section J on page [redacted], plus $[redacted]PR cure on page [redacted] which totals $[redacted]. D[redacted] page [redacted] is the pay history confirming cure posted, D[redacted] is the LOE sent to borrower regarding PCCD. |  | 08/05/2025 |  | 2 C B |  | OK | 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) | 528 (redacted) |  | 34610815 |  | 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 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. |  |  |  | Reviewer Comment (2025-08-05): [redacted]received rebuttal and valid COC.<br>Buyer Comment (2025-08-04): D[redacted] is a COC corresponding to the [redacted] LE showing that there were borrower requested changes to the loan amount and loan program and rate change that re-baseline this fee to $[redacted]. Cure not required. | 08/05/2025 |  |  | 1 C A |  | OK | 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) | 528 (redacted) |  | 34610817 |  | 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. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-08-06): Cleared.<br>Buyer Comment (2025-08-04): Re-inspection report uploaded | 08/06/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 528 (redacted) |  | 34610818 |  | 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 ___. | The loan amount below guideline minimum loan amount of $[redacted]. Lender pricing exception for loan amount on approval. | 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 | Low housing ratio [redacted]% or less.<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-31): Client elects to waive with compensating factors. |  |  | 07/31/2025 | 2 B |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 528 (redacted) |  | 34610820 |  | 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 four ([redacted]) business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-08-05): [redacted] received signed LE dated [redacted] &[redacted]<br>Buyer Comment (2025-08-04): Uploaded LE's sent to and signed by borrower on [redacted] and [redacted]. Closing took place on [redacted] which is [redacted] business days after [redacted]. | 08/05/2025 |  |  | 1 B A |  | OK | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| (redacted) | 528 (redacted) |  | 34610821 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non- warrantable condois 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 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 | Low housing ratio [redacted]% or less.<br>Total monthly payment savings of at least $[redacted] to $[redacted]per month. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-31): Client elects to waive with compensating factors. |  |  | 07/31/2025 | 2 B |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 528 (redacted) |  | 34610822 |  | 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 Home Inspection Fee (Optional). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/05/2025 |  | 1 A |  | OK | 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) | 529 (redacted) |  | 34610825 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | Bankruptcy Discharge Documents missing in file. |  |  |  | Reviewer Comment (2025-08-08): Cleared.<br>Buyer Comment (2025-08-04): Could you please review this exception one more time this exception, or escalate it to your Spv? The BK chapter[redacted] was discharged on [redacted]. Please see attached Credit report. | 08/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 529 (redacted) |  | 34610829 |  | 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] 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 (2025-07-30): Sufficient Cure Provided At Closing |  | 07/30/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 531 (redacted) |  | 34610834 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Excessive Overdrafts compensating factor Substantial cash reserves, Residual income greater than $[redacted], [redacted]+ years on job, borrower's own funds used and fico [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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<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]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-30): Client elects to waive with compensating factors. |  |  | 07/30/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 531 (redacted) |  | 34610835 |  | 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. | Verification of appraisal dated 0[redacted] was delivered to borrower not provided in file. |  |  |  | Buyer Comment (2025-08-12): .<br>Reviewer Comment (2025-08-12): Initial appraisal provided to borrower but copy of initial appraisal not provided to [redacted] as final appraisal provided to borrower on [redacted] which is less than [redacted] business days prior to consummation date of [redacted]. Except remains EV2.<br>Buyer Comment (2025-08-08): See attached, borrower viewed same day. |  |  | 08/12/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 531 (redacted) |  | 34610837 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] review and approval of property with compensating factor Substantial cash reserves, Residual income greater than $[redacted], [redacted]+ years on job, borrower's own funds used and fico [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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points. | Residual income is greater than $[redacted].<br>[redacted]+ years on job.<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]+. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-30): Client elects to waive with compensating factors. |  |  | 07/30/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| (redacted) | 532 (redacted) |  | 34610839 |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective June [redacted], [redacted]. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  | Buyer Comment (2025-08-04): Approve |  |  | 08/04/2025 | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| (redacted) | 532 (redacted) |  | 34610841 |  | 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 reflects amount as $[redacted], however post close cd shows total escrow amount as $[redacted] |  |  |  | Buyer Comment (2025-08-04): Approve |  |  | 08/04/2025 | 2 B |  | AR | 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) | 532 (redacted) |  | 34610842 |  | 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. | Same Lender refinance, however right to cancel H-8 form was provided to borrower instead of H-9 form |  |  |  | Buyer Comment (2025-08-04): Approve |  |  | 08/04/2025 | 2 B |  | AR | 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) | 534 (redacted) |  | 34610854 |  | 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 (2025-08-20): [redacted] received attestation to support COC dated [redacted] for change in settlement company.<br>Buyer Comment (2025-08-18): Please see the attestation letter attached.<br>Reviewer Comment (2025-08-18): [redacted] received rebuttal comment that the fees are changed due to change in title company. A lender attestation or proof of change of settlement company will suffice the condition for change in title fees.<br>Buyer Comment (2025-08-14): Could you please kindly escalate this discrepancy to your Team Lead or Spv? I requested more information from the processing department regarding why the Lender's Title Insurance was $[redacted]in the initial LE dated [redacted], to $[redacted]on LE dated [redacted]. " Processing updated that fee based on an estimated settlement statement they obtained from Timios, in which they quoted it as $[redacted]. The loan was previously disclosed with a Vylla quote; the only reason I know for this change is that title companies have different fee amounts and quotes." If you need an attestation letter, please advise. please see one more time LE dated [redacted], proof of delivery, valid COC, and rate lock confirmation<br>Reviewer Comment (2025-08-13): [redacted]received rebuttal, however lender states the baseline should be $[redacted]vs [redacted] calculated amount of $[redacted]. Lender has included the title notary fee fee(s) in the [redacted]% baseline. However, these fees were not charged to the borrower on the Final CD. A creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. Cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-08-12): After further review, I found a discrepancy regarding this exception. The initial LE dated [redacted] shows that an initial settlement charge for the amount of $[redacted], including recording fees, the maximum allowable will be [redacted]% which is $[redacted]. the final CD shows a total of settlement charges of $[redacted]. The difference is $[redacted]. The same final CD shows a Lender credit for the amount of $[redacted], which is more than enough to cover the increase in the settlement charges. Please see the final CD attached and advise if you agree with this exception. thx<br>Reviewer Comment (2025-08-12): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information what impacts and on why the Lender's title insurance fee increased and Document preparation fee added on LE dated [redacted]. Also, the fee was not tied with rate lock and rate lock extension. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-08-08): Could you please review the attached documents? The increase in settlement charges occurred on the LE dated [redacted]. These changes were validly increased due to rate lock/rate extension. see a valid COC, proof of delivery, lock confirmation and LE | 08/20/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 535 (redacted) |  | 34610859 |  | 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 $-[redacted]. |  |  |  | Reviewer Comment (2025-08-12): [redacted] received a valid COC.<br>Buyer Comment (2025-08-08): Could you please kindly review this discrepancy? The lender credit started at -$[redacted]at the initial LE dated[redacted], then the Lender credit increased to -$[redacted]in the initial CD dated[redacted]The increase was caused due to a rate lock which occurred on [redacted], then finally on the CD dated [redacted] the Lender credit was reduced to -$[redacted]because was a COC changed due to a loan program change to credit for interest chosen. after that the lender credit remained at the same amount until the file was closed. Please see attached COC for the rate lock. loan program change, proof of delivery and initial LE, CD dated [redacted], CD dated [redacted] and CD dated [redacted]. Please advise if you may may need additional information. | 08/12/2025 |  |  | 1 C A |  | IL | 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) | 535 (redacted) |  | 34610861 |  | 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 (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-11): Please see the email from our Loan Processor to the borrower dated [redacted], which was [redacted] business days prior to consummation which occurred on [redacted]per Consummation CD attached too. | 08/14/2025 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 535 (redacted) |  | 34610862 |  | 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 (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-11): Please see the email from our Loan Processor to the borrower dated [redacted], which was [redacted]business days prior to consummation which occurred on [redacted] per Consummation CD attached too. | 08/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 535 (redacted) |  | 34610863 |  | 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 (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-11): Please see the email from our Loan Processor to the borrower dated [redacted], which was [redacted] business days prior to consummation which occurred on [redacted] per Consummation CD attached too. | 08/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 537 (redacted) |  | 34610868 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations are incomplete: D. [redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application is blank. |  |  |  | Reviewer Comment (2025-08-20): Documents received, system cleared.<br>Buyer Comment (2025-08-14): Corrected[redacted] with missing information uploaded. | 08/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 537 (redacted) |  | 34610869 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations are incomplete: D. [redacted]. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application is blank. |  |  |  | Reviewer Comment (2025-08-20): Documents received, system cleared.<br>Buyer Comment (2025-08-14): Corrected [redacted]with missing information uploaded. | 08/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 537 (redacted) |  | 34610870 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | Open (failure): [redacted]/Application / Processing Borrower: [redacted][redacted]/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application is blank. |  |  |  | Reviewer Comment (2025-08-20): Documents received, system cleared.<br>Buyer Comment (2025-08-14): Corrected [redacted] with missing information uploaded. | 08/20/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 538 (redacted) |  | 34610878 |  | 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.) | Verbal verification of employment is required within 10 business days from the note date. |  |  |  | Reviewer Comment (2025-08-05): Lender Exception with Compensating Factors, system cleared. | 08/05/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 538 (redacted) |  | 34610879 |  | 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 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-05): Lender Exception with Compensating Factors. |  |  | 08/05/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 538 (redacted) |  | 34610880 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [redacted] months reserves required and zero months verified. | 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>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-05): Lender Exception with Compensating Factors, system cleared. |  |  | 08/05/2025 | 2 B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 538 (redacted) |  | 34610881 |  | 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. | 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 (2025-08-11): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-08): D[redacted] is PC CD showing $[redacted] PR cure on page [redacted], D[redacted] is pay history, D[redacted] is LOE to borrower for PCCD. |  | 08/11/2025 |  | 2 C B |  | 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 B A | Non QM | Non QM | Yes |
| (redacted) | 538 (redacted) |  | 34610882 |  | 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 Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided within [redacted] Days of Closing |  | 08/11/2025 |  | 1 A |  | TN | 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) | 539 (redacted) |  | 34610885 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): [redacted]-Signed 4506-C uploaded. | 08/12/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 539 (redacted) |  | 34610886 |  | 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 signed 4506C |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): [redacted]-Signed 4506-C uploaded. | 08/12/2025 |  |  | 1 B A C |  | AZ | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 539 (redacted) |  | 34610887 |  | 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 signed 4506C |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): [redacted]-Signed 4506-C uploaded. | 08/12/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 539 (redacted) |  | 34610888 |  | 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 (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Evidence of receipt uploaded. | 08/12/2025 |  |  | 1 B A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 539 (redacted) |  | 34610889 |  | 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 signed and dated [redacted]and [redacted]-C for Kenneth. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): [redacted]-Signed 4506-C uploaded. | 08/12/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 539 (redacted) |  | 34610890 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed and dated [redacted]and [redacted]-C for Kenneth. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): [redacted]-Signed 4506-C uploaded. | 08/12/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Non QM | Non QM | No |
| (redacted) | 540 (redacted) |  | 34610895 |  | 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 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 (2025-08-11): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-08-07): pccd with cover letter and pr applied |  | 08/11/2025 |  | 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) | 540 (redacted) |  | 34610896 |  | 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 - Endorsement 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 (2025-08-11): [redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception.<br>Buyer Comment (2025-08-07): pccd with cover letter and pr applied |  | 08/11/2025 |  | 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) | 540 (redacted) |  | 34610897 |  | 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 (2025-08-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/11/2025 |  | 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) | 540 (redacted) |  | 34610898 |  | 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 Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/11/2025 |  | 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) | 541 (redacted) |  | 34610900 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan ([redacted]): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  | Reviewer Comment (2025-08-19): Tax Certificate supports the borrower is exempt from property taxes as a disabled veteran.<br>Buyer Comment (2025-08-07): subject is not HPML, see tax exempt status uploaded and CD supporting insurance impounds collected into escrow account | 08/19/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C A | Non QM | Non QM | Yes |
| (redacted) | 541 (redacted) |  | 34610901 |  | 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 (2025-08-19): Loan is HPML Compliant. Borrower is exempt from property taxes as a disabled veteran.<br>Buyer Comment (2025-08-07): subject is not HPML, see tax exempt status uploaded and CD supporting insurance impounds collected into escrow account | 08/19/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 542 (redacted) |  | 34610906 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller Paid fees on Seller's closing disclosure are not consistent with those reflected on the Borrower's final closing disclosure |  |  |  | Reviewer Comment (2025-08-13): Seller CD fee verified | 08/13/2025 |  |  | 1 A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| (redacted) | 543 (redacted) |  | 34610911 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file is missing FACTA Disclosure. |  |  |  | Buyer Comment (2025-08-08): Approve |  |  | 08/08/2025 | 2 B |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 543 (redacted) |  | 34610913 |  | 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 added on closing disclosure issued [redacted] with no valid change evident. |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided within [redacted] Days of Closing<br>Buyer Comment (2025-08-08): Please see image D[redacted] PCCD reflecting cure and image D[redacted] payment history reflecting PR. | 08/11/2025 |  |  | 1 C A |  | UT | 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) | 543 (redacted) |  | 34610915 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted](f)(2) 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 (2025-08-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/11/2025 |  | 1 A |  | UT | 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) | 544 (redacted) |  | 34610917 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2025-08-13): Previous hazard policy provided<br>Buyer Comment (2025-08-08): Proof of previous policy uploaded. | 08/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 544 (redacted) |  | 34610920 |  | 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 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous<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. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Total monthly payment savings of $[redacted]or more per month. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 545 (redacted) |  | 34610924 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for property exceeding max acreage. | 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 [redacted] on the loan is at least [redacted]% less than the guideline maximum.<br>The representative [redacted] score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | 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]+<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 545 (redacted) |  | 34610925 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for business in existence 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'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 [redacted] on the loan is at least [redacted]% less than the guideline maximum.<br>The representative [redacted] score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | 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]+<br>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-07): Lender Exception with Compensating Factors. |  |  | 08/07/2025 | 2 C B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 545 (redacted) |  | 34610926 |  | 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 (2025-08-07): Loan is NonQM | 08/07/2025 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| (redacted) | 545 (redacted) |  | 34610927 |  | 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.) |  |  |  |  | Reviewer Comment (2025-08-07): Lender Exception with Compensating Factors, system cleared.<br>Reviewer Comment (2025-08-07): Regraded to EV2-B based on pre-closing lender exception with sufficient compensating factors. | 08/07/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 545 (redacted) |  | 34610928 |  | 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. | Business in existence for less than [redacted]years. |  |  |  | Reviewer Comment (2025-08-07): Loan is NonQM | 08/07/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 545 (redacted) |  | 34610929 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business in existence less than [redacted] years |  |  |  | Reviewer Comment (2025-08-07): Lender Exception with Compensating Factors, system cleared.<br>Reviewer Comment (2025-08-07): Regraded to EV2-B based on pre-closing lender exception with sufficient compensating factors. | 08/07/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 545 (redacted) |  | 34610930 |  | 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 (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 546 (redacted) |  | 34610931 |  | 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 Monitoring Service. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-05): Sufficient Cure Provided At Closing |  | 08/05/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| (redacted) | 547 (redacted) |  | 34610934 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | Yes |
| (redacted) | 548 (redacted) |  | 34610938 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing borrower's percentage of ownership of business. CPA only gives start date and not percentage of ownership. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Attached. | 08/12/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| (redacted) | 548 (redacted) |  | 34610939 |  | 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 borrower's percentage of ownership of business. CPA only gives start date and not percentage of ownership |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Please see finding [redacted]. | 08/12/2025 |  |  | 1 B A C |  | NY | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| (redacted) | 548 (redacted) |  | 34610940 |  | 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 borrower's percentage of ownership of business. CPA only gives start date and not percentage of ownership |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Please see finding [redacted]. | 08/12/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| (redacted) | 548 (redacted) |  | 34610941 |  | 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 borrower's percentage of ownership of business. CPA only gives start date and not percentage of ownership |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Please see finding [redacted]. | 08/12/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| (redacted) | 549 (redacted) |  | 34610944 |  | 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 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 (2025-08-11): [redacted] Sufficient Cure provided within [redacted]days of the closing.<br>Buyer Comment (2025-08-08): Please see PCCD & Pymt history attached showing a cure for the amount of $[redacted]plus a lender credit of $[redacted]more than enough to cover increase in the credit report fee. | 08/11/2025 |  |  | 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 A | Non QM | Non QM | Yes |
| (redacted) | 549 (redacted) |  | 34610945 |  | 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 (2025-08-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/11/2025 |  | 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) | 550 (redacted) |  | 34610948 |  | 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. | 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 (2025-08-06): Sufficient Cure Provided At Closing |  | 08/06/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| (redacted) | 550 (redacted) |  | 34610949 |  | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+ | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-13): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-08-08): Concur, post-closing exception added. |  |  | 08/13/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 551 (redacted) |  | 34610953 |  | 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 ___. | Guidelines max LTV is [redacted]%, however calculated LTV is [redacted]%. (Approval in file has pricing exception for LTV exceeding [redacted]%) | Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Miscellaneous<br>The Combined Loan to Value ([redacted]) 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>Low housing ratio of [redacted]% or less. | SitusAMC<br>Originator,SitusAMC<br>Originator<br>SitusAMC | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-30): ...<br>Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 551 (redacted) |  | 34610955 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | Second lien Note is required to mitigate this exception. |  |  |  | Reviewer Comment (2025-08-12): Documents received, system cleared.<br>Buyer Comment (2025-08-08): Attached. | 08/12/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 551 (redacted) |  | 34610957 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted]days prior to Closing. |  | Assets documentation is more than [redacted]days prior to note date. A more recent statements are required. |  |  |  | Reviewer Comment (2025-08-14): Additional bank statement provided. Statement date within [redacted] days of closing date.<br>Buyer Comment (2025-08-12): Please clarify. Statements uploaded and now in Acuity were through April [redacted], loan closed [redacted][redacted], [redacted]Days after [redacted] is [redacted], therefore loan closed less than [redacted] days from statements.<br>Reviewer Comment (2025-08-12): No additional bank statements provided. Bank statements verified are greater than [redacted] day from closing.<br>Buyer Comment (2025-08-08): Attached. | 08/14/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 551 (redacted) |  | 34610958 |  | 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 - Service Charges. 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 (2025-08-11): Sufficient Cure Provided within [redacted]Days of Closing<br>Buyer Comment (2025-08-08): See attached, $[redacted]already cured on this case. | 08/11/2025 |  |  | 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) | 551 (redacted) |  | 34610960 |  | 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 owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Miscellaneous | 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 | Reviewer Comment (2025-08-06): Lender approved exception with comp factors. |  |  | 08/06/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 551 (redacted) |  | 34610961 |  | 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 Title - Service Charges. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-11): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/11/2025 |  | 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) | 552 (redacted) |  | 34610963 |  | 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 reflects Amount Finance of $[redacted]but calculated Amount Finance of $[redacted]. Variance = $[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-26): Please see PCCD and check reflecting a $[redacted]cure due to an increase in financial charges. |  | 08/27/2025 |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 552 (redacted) |  | 34610964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted]5 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 reflects Amount Finance of $[redacted]but calculated Amount Finance of $[redacted]. Variance = -$[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  |  |  | Reviewer Comment (2025-08-27): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-26): Please see PCCD and check reflecting a $[redacted] cure due to an increase in financial charges. |  | 08/27/2025 |  | 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 | Non QM | Non QM | Yes |
| (redacted) | 552 (redacted) |  | 34610965 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for non-warrantable condo. | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative [redacted] score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Borrower's own funds for down payment and closing (no gifts or DPA).<br>Excellent credit management with FICO [redacted]+.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 552 (redacted) |  | 34610966 |  | 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. |  |  |  |  | Buyer Comment (2025-08-08): Accepted |  |  | 08/08/2025 | 2 B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| (redacted) | 552 (redacted) |  | 34610967 |  | 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 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 (2025-08-12): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-08-08): Please see PCCD & Pymt history showing a cure for $[redacted]due to an increase in credit report fee from $[redacted]to $[redacted] |  | 08/12/2025 |  | 2 C B |  | 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) | 552 (redacted) |  | 34610968 |  | 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 (2025-08-12): Sufficient Cure Provided within[redacted] Days of Closing |  | 08/12/2025 |  | 1 A |  | FL | Second Home | 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) | 553 (redacted) |  | 34610975 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non warrantable condo (guidelines require full project approval on condos). | 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 [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale) | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-14): Lender exception with compensating factors. |  |  | 08/14/2025 | 2 B |  | MD | Investment | Purchase | A B |  | N/A | No |
| (redacted) | 553 (redacted) |  | 34610976 |  | 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 |  |  |  |  |  |  | 09/30/2025 |  |  | 1 A |  | MD | Investment | Purchase | A B |  | N/A | No |
| (redacted) | 554 (redacted) |  | 34610978 |  | 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 exception approval allowed subject loan to proceed with representative FiCO of [redacted], which is less than [redacted]minimum required for the cashout loan with [redacted]% LTV. Noted compensating factors: Prior homeownership experience(No FC or Short Sale). | Borrower has owned the subject property for at least [redacted] years.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2023-12-21): CF Update.<br>Reviewer Comment (2022-08-16): Lender exception is provided. |  |  | 12/21/2023 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 555 (redacted) |  | 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) | 555 (redacted) |  | 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) | 556 (redacted) |  | 34610983 |  | 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. |  |  |  |  |  | Reviewer Comment (2023-06-27): Final title received<br>Buyer Comment (2023-06-20): Final Title Policy uploaded. | 06/27/2023 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 556 (redacted) |  | 34610984 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2023-06-27): Final title received | 06/27/2023 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 556 (redacted) |  | 34610985 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Affidavit of Non-Occupancy signed and notarized at closing was not provided. |  |  |  | Reviewer Comment (2023-06-19): Signed disclosure was provided.<br>Buyer Comment (2023-06-16): Affidavit of Non-Occupancy uploaded. | 06/19/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 556 (redacted) |  | 34610986 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Guidelines state living rent free is not acceptable. Verification of borrower's current residence rent was not provided. Lender approved exception for borrower living rent free. Compensating factor of Low Housing Ratio of [redacted]% or less in not a valid compensating factor. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's Experience/Track Record<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 a clean housing payment history | Lender exception provided<br>Borrower has prior homeownership experience with no FC or SS<br>Borrower has prior homeownership experience with no FC or SS | Originator,SitusAMC<br>SitusAMC,Originator<br>SitusAMC<br>Originator | Reviewer Comment (2024-01-03): Lender Exception with Compensating Factors.<br>Reviewer Comment (2023-07-03): Approved lender exception provided.<br>Reviewer Comment (2023-06-27): Valid compensating factors provided by seller.<br>Buyer Comment (2023-06-16): UPE approved PTC with correct CF uploaded. |  |  | 07/03/2023 | 2 C B D |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 556 (redacted) |  | 34610987 |  | Credit | Guideline | Guideline Issue | Guideline | Refinance transaction without a Lease In Place, or the Lease in place is a Month-to-Month agreement only qualifies for the No Minimum DSCR program. |  | Lease in file is month-to-month. Per guidelines, sufficient evidence such as an extension letter is required. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower's Experience/Track Record<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Lender exception provided<br>Borrower has prior homeownership experience with no FC or SS | Originator,SitusAMC<br>SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2023-07-03): Approved lender exception provided.<br>Buyer Comment (2023-06-29): Please see Exception Comments section that address Post Consummation Exception Approval for missing extension letter.<br>Reviewer Comment (2023-06-27): Revised approval received, however the form did not address the exception concern. Exception remains<br>Buyer Comment (2023-06-16): PC Exception Approval uploaded. |  |  | 07/03/2023 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 556 (redacted) |  | 34610988 |  | 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 a clean housing payment history<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Borrower has prior homeownership experience with no FC or SS<br>Lender exception provided | Originator<br>Originator,SitusAMC | Reviewer Comment (2024-01-03): Lender Exception with Compensating Factors. |  |  | 01/03/2024 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 557 (redacted) |  | 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) | 557 (redacted) |  | 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) | 557 (redacted) |  | 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) | 557 (redacted) |  | 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) | 557 (redacted) |  | 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) | 557 (redacted) |  | 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) | 559 (redacted) |  | 34610996 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2023-12-08): Received credit report. Exception cleared.<br>Buyer Comment (2023-12-04): Credit report uploaded. | 12/08/2023 |  |  | 1 D A |  | SC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 559 (redacted) |  | 34610998 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-12-08): UCDP status provided and risk score is [redacted]. Secondary valuation is not required. Exception cleared.<br>Buyer Comment (2023-12-04): Appraisal Review CU uploaded. | 12/08/2023 |  |  | 1 D A |  | SC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 559 (redacted) |  | 34610999 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative [redacted]score discrepancy. |  |  |  |  |  | Reviewer Comment (2023-12-08): Received credit report. Information verified and updated. Exception cleared.<br>Buyer Comment (2023-12-04): Credit report uploaded reflecting FICO of [redacted]. | 12/08/2023 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 559 (redacted) |  | 34611000 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Delinquent credit debt not paid current at close. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Conservative use of credit or minimal use of revolving Credit. | Originator,SitusAMC<br>Originator | Reviewer Comment (2024-04-09): Lender Exception with Compensating Factors.<br>Reviewer Comment (2024-01-09): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-12-29): Updated exception approval with correct CF uploaded.<br>Reviewer Comment (2023-12-22): Borrower's credit usage is the issue. Overall usage is [redacted]% and there are delinquencies on multiple accounts. Credit not acceptable as a Comp Factor.<br>Buyer Comment (2023-12-21): Updated exception approval reflecting [redacted] approved.<br>Buyer Comment (2023-12-20): Please note, UPE approved PTC by [redacted] meets guidelines. Please escalate to [redacted].<br>Reviewer Comment (2023-12-15): Need Category A and B Comp Factor.<br>Buyer Comment (2023-12-05): UPE approved PTC by [redacted] uploaded. |  |  | 01/09/2024 | 2 C B |  | SC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 559 (redacted) |  | 34611002 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Percentage of business ownership required. Exhibit [redacted]reflects [redacted]individuals and does not provide ownership percentage for each. |  |  |  | Reviewer Comment (2023-12-15): Evidence of removal of other member received.<br>Buyer Comment (2023-12-07): Please see attached State of SC Members of Dissociation from a LLC, removing [redacted] as a member and [redacted]as sold member. | 12/15/2023 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 561 (redacted) |  | 34611005 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The initial business purpose & occupancy statement is missing from the loan file. |  |  |  | Reviewer Comment (2024-09-25): The initial business purpose & occupancy statement received and verified the details. Exception Cleared.<br>Buyer Comment (2024-09-24): Initial and final business purpose disclosures uploaded. | 09/25/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 561 (redacted) |  | 34611006 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted]Citizen Status not provided |  | Borrower is a non permanent resident alien and the loan file does not contain proof of lawful residency, work authorization and an unexpired valid visa with at three years left to work in the U.S. required by guidelines. |  |  |  | Reviewer Comment (2024-09-25): Received ITIN along with Driver's license. Exception Cleared.<br>Buyer Comment (2024-09-24): ITIN documentation uploaded. | 09/25/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 561 (redacted) |  | 34611007 |  | 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 (2024-10-09): Post Disaster Inspection report received and verified. Exception cleared<br>Buyer Comment (2024-10-08): Disaster reinspection report uploaded.<br>Reviewer Comment (2024-10-07): Provided document reflects different property address. Require disaster report with correct property address. Exception Remains.<br>Buyer Comment (2024-10-04): Disaster reinspection report uploaded. | 10/09/2024 |  |  | 1 A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 564 (redacted) |  | 34611011 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender Exception approving non-warrantable condo is in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | 01/08/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 564 (redacted) |  | 34611012 |  | 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 approved exception for FICO score less than guideline requirement 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 | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | 01/08/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 564 (redacted) |  | 34611013 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Lender Exception approving non-warrantable condo is in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Miscellaneous | Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator | Reviewer Comment (2025-01-08): Lender Exception with Compensating Factors. |  |  | 01/08/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 565 (redacted) |  | 34611018 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | The Spousal Consent Form is missing from the loan file. |  |  |  | Reviewer Comment (2025-01-23): Received Quit claim deed document. Exception cleared.<br>Buyer Comment (2025-01-21): Grant deed uploaded. | 01/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 567 (redacted) |  | 34611022 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide updated 1003 with missing REO, Great Egret. |  |  |  | Reviewer Comment (2025-03-31): Cleared per guides.<br>Buyer Comment (2025-03-27): see document uploaded to loan file [redacted]for signed final [redacted]including subject and primary residence reo<br>Buyer Comment (2025-03-27): REO guidelines uploaded, only requirement for [redacted] is subject and primary residence to be listed in REO section | 03/31/2025 |  |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| (redacted) | 568 (redacted) |  | 34611023 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-02-07): Received final title policy, Exception cleared. | 02/07/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 568 (redacted) |  | 34611024 |  | 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. |  |  |  |  |  | Reviewer Comment (2025-02-07): Received final title policy, Exception cleared.<br>Buyer Comment (2025-02-06): Title policy with insured coverage included | 02/07/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 569 (redacted) |  | 34611026 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-09-25): Used PCCD for cash to close<br>Buyer Comment (2025-09-24): Please note, verified assets of $[redacted], CTC $[redacted]= $[redacted]. ([redacted]months reserves and meets guideline requirements.) | 09/25/2025 |  |  | 1 A |  | TX | Investment | Purchase | A |  | N/A | No |
| (redacted) | 570 (redacted) |  | 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) | 570 (redacted) |  | 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 urla<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 primary residence | 02/27/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 570 (redacted) |  | 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) | 570 (redacted) |  | 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) | 572 (redacted) |  | 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) | 572 (redacted) |  | 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) | 573 (redacted) |  | 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) | 576 (redacted) |  | 34611042 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing. |  |  |  | Reviewer Comment (2025-04-24): Property vacant meets LTV requirements, exception cleared.<br>Buyer Comment (2025-04-18): please loan transmittal uploaded with notes supporting rents qualified off of appraisal rent schedule | 04/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 577 (redacted) |  | 34611045 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LLC not setup solely for the purpose of activities related to ownership and management of real estate. |  |  |  | Reviewer Comment (2025-04-24): Provided web lookup for company, exception cleared.<br>Buyer Comment (2025-04-23): company website details for property mgmt<br>Buyer Comment (2025-04-18): LOE and LLC docs supporting business purpose as property mgmt<br>Buyer Comment (2025-04-18): loe and llc docs supporting purpose of business is property mgmt | 04/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 578 (redacted) |  | 34611047 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted]days prior to Closing. |  | Asset Document date is more than [redacted]days prior to the Note date. Provide more current account statements for #[redacted]and #[redacted]. |  |  |  | Reviewer Comment (2025-07-14): Received recent account statements for account #[redacted]and #[redacted]. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-07-10): Updated[redacted] and [redacted] statements for [redacted] Bank accounts uploaded. | 07/14/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 581 (redacted) |  | 34611052 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2025-05-01): Corrected CDA provided.<br>Buyer Comment (2025-04-29): Correct CDA uploaded reflecting correct effective date of appraisal | 05/01/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 581 (redacted) |  | 34611053 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document the transfer of the subject property from the entity reflected on title to the borrower. |  |  |  | Reviewer Comment (2025-04-28): QCD provided, exception cleared.<br>Buyer Comment (2025-04-24): QCD Uploaded | 04/28/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 585 (redacted) |  | 34611058 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate resolution missing in loan file |  |  |  | Reviewer Comment (2025-04-30): Cleared as borrower is sole member.<br>Buyer Comment (2025-04-28): Please see image D[redacted] pages[redacted]-[redacted], EIN reflects borrower as sole member and meets borrower ownership requirement. Corporate resolution not required as it is not applicable. | 04/30/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 585 (redacted) |  | 34611059 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement missing in loan file, unable to verify borrower ownership in business entity. |  |  |  | Reviewer Comment (2025-05-02): LOE provided, exception cleared.<br>Buyer Comment (2025-04-30): Please see LOE that states business is limited to ownership and management of real estate.<br>Reviewer Comment (2025-04-30): Document does not reflect business purpose are limited to ownership and management of real estate. Please provide operating agreement.<br>Buyer Comment (2025-04-28): Please see image D[redacted] pages [redacted], EIN reflects borrower as sole member and meets borrower ownership requirement. | 05/02/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 585 (redacted) |  | 34611060 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal is missing [redacted] comps with ADUs (Guidelines require a minimum of [redacted] comps with ADUs for legal non conforming ADU's, appraiser provided [redacted]comp). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower's Experience/Track Record<br>Miscellaneous | Borrower's Experience/Track Record. The borrower has: [redacted]Years of Experience.<br>Experienced landlord with [redacted]+ investment properties & mortgages [redacted]. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-26): Lender exception with compensating factors. |  |  | 06/26/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 585 (redacted) |  | 34611061 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] and [redacted]day lates on revolving accounts in the past [redacted]months (Guidelines allow for [redacted] day late in past [redacted]months on all accounts). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrower's Experience/Track Record<br>Miscellaneous | Borrower's Experience/Track Record. The borrower has: [redacted]Years of Experience.<br>Experienced landlord with [redacted]+ investment properties & mortgages [redacted]. | SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-06-26): Lender exception with compensating factors. |  |  | 06/26/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 587 (redacted) |  | 34611064 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | Reviewer Comment (2025-04-30): Cleared.<br>Buyer Comment (2025-04-28): Drive report with flag addressed uploaded. | 04/30/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 587 (redacted) |  | 34611065 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal is marked "owner" occupied when property is investment/business purpose. |  |  |  | Reviewer Comment (2025-05-02): Corrected appraisal provided, exception cleared.<br>Buyer Comment (2025-04-30): corrected appraisal attached | 05/02/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 589 (redacted) |  | 34611069 |  | 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]. | The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>Miscellaneous<br>Borrower has a clean housing payment history | Excellent credit management with FICO [redacted]+.<br>Total monthly payment savings of $[redacted]or more.<br>Prior homeownership experience (No FC or Short Sale).<br>Multiple mortgages ([redacted]+) report on credit seasoned [redacted]+ months &[redacted]. | Originator,SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2025-04-23): Lender exception with compensating factors. |  |  | 04/23/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 589 (redacted) |  | 34611070 |  | 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 ___. | Max LTV for a rate/term with DSCR <[redacted] is [redacted]%. Subject LTV is [redacted]%. | The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>Miscellaneous<br>Borrower has a clean housing payment history | Excellent credit management with FICO [redacted]+.<br>Total monthly payment savings of $[redacted]or more.<br>Prior homeownership experience (No FC or Short Sale).<br>Multiple mortgages ([redacted]+) report on credit seasoned [redacted]+ months &[redacted]. | Originator,SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2025-04-23): Lender exception with compensating factors. |  |  | 04/23/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 589 (redacted) |  | 34611071 |  | 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 ___. | Max LTV for a rate/term with DSCR <.[redacted]is [redacted]%. Subject LTV is [redacted]%. | The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>Miscellaneous<br>Borrower has a clean housing payment history | Excellent credit management with FICO [redacted]+.<br>Total monthly payment savings of $[redacted]or more.<br>Prior homeownership experience (No FC or Short Sale).<br>Multiple mortgages ([redacted]+) report on credit seasoned [redacted]+ months &[redacted]. | Originator,SitusAMC<br>Originator<br>Originator<br>Originator | Reviewer Comment (2025-04-23): Lender exception with compensating factors. |  |  | 04/23/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 589 (redacted) |  | 34611072 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  |  |  |  |  | Reviewer Comment (2025-05-01): Corrected flood cert provided, exception cleared.<br>Buyer Comment (2025-04-29): corrected flood cert | 05/01/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 591 (redacted) |  | 34611074 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [redacted]financed properties (Guidelines allow a max of [redacted] financed properties for a borrower). | Borrower has owned the subject property for at least [redacted]years.<br>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-23): Lender exception with compensating factors. |  |  | 04/23/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 591 (redacted) |  | 34611075 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower only has [redacted]% ownership in the LLC the subject property is currently vested in (Guidelines require a minimum of [redacted]% ownership for a C/O Refi when currently vested in LLC). | Borrower has owned the subject property for at least [redacted]years.<br>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-23): Lender exception with compensating factors. |  |  | 04/23/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 591 (redacted) |  | 34611077 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPA letter in file does not reflect the owner has [redacted]% ownership in the business that the subject property is currently vested in. Ownership documentation not provided in file. |  |  |  | Reviewer Comment (2025-05-06): Provided.<br>Buyer Comment (2025-05-02): please see share certificates supporting borrower's majority shares in LLC | 05/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 592 (redacted) |  | 34611080 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower's EAD classification does not meet guidelines. | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-21): Lender exception provided.<br>Reviewer Comment (2025-05-21): Provide additional compelling compensating factors for consideration of downgrading/waiving exception.<br>Buyer Comment (2025-05-19): PC exception of EAD |  |  | 05/21/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| (redacted) | 592 (redacted) |  | 34611081 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for using appraised value vs lower desk review value. | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-09-15): Lender exception with compensating factors.<br>Buyer Comment (2025-09-11): non-agency loan approval with notes regarding appraisal<br>Reviewer Comment (2025-09-09): Uploaded approval does not reflect an exception for the appraised value only the borrower's residency. Please add to the exception comments for consideration of downgrading/waiving. Thank you!<br>Buyer Comment (2025-09-03): use of appraised value<br>Buyer Comment (2025-09-03): consummation CD<br>Buyer Comment (2025-08-29): please review with [redacted], per email [redacted] loan was downgraded<br>Buyer Comment (2025-08-29): approval for use of appraised value vs CDA<br>Reviewer Comment (2025-06-24): Provide updated approval reflecting lender exception for use of appraised value vs lower CDA value. |  |  | 09/15/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| (redacted) | 595 (redacted) |  | 34611084 |  | 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'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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower has a clean housing payment history | Low default risk with equity, LTV 10% lower than matrix.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-29): Lender exception with compensating factors. |  |  | 04/29/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 595 (redacted) |  | 34611086 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal shows property as Rural, guidelines do not allow for rural properties. | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>Borrower has a clean housing payment history | Low default risk with equity, LTV 10% lower than matrix.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-29): Lender exception with compensating factors. |  |  | 04/29/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 596 (redacted) |  | 34611088 |  | 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 |  | Effective date is different in CDA and Appraisal. |  |  |  | Reviewer Comment (2025-05-12): Cleared.<br>Buyer Comment (2025-05-08): Please see CDA report attached matching same effective date and appraisal report date. | 05/12/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 597 (redacted) |  | 34611090 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a rural property. | 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 | Excellent credit management with FICO [redacted]+.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-29): Lender Exception with Compensating Factors. |  |  | 04/29/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 597 (redacted) |  | 34611091 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted]acres when max allowed is [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 [redacted]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 SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-29): Lender Exception with Compensating Factors. |  |  | 04/29/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 599 (redacted) |  | 34611095 |  | 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 does not meet maximum LTV of [redacted]% for DSCR between [redacted]and [redacted]. | Miscellaneous<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points. | Prior Homeownership Experience (No FC or Short Sale).<br>Excellent credit Management with FICO [redacted]+. | Originator<br>Originator,SitusAMC | Reviewer Comment (2025-04-29): Client elects to waive with compensating factors. |  |  | 04/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 599 (redacted) |  | 34611096 |  | 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 does not meet maximum CLTV of [redacted]% for DSCR between [redacted]and [redacted]. | Miscellaneous<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points. | Prior Homeownership Experience (No FC or Short Sale).<br>Excellent credit Management with FICO [redacted]+. | Originator<br>Originator,SitusAMC | Reviewer Comment (2025-04-29): Client elects to waive with compensating factors. |  |  | 04/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 600 (redacted) |  | 34611098 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Operating agreement does not stated ownership percentages. |  |  |  | Reviewer Comment (2025-05-06): Cleared.<br>Buyer Comment (2025-05-02): Could you please review one more time the Operating Agreement attached per this document has been signed by both borrowers who they are the only members and the only owners on this business. | 05/06/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| (redacted) | 601 (redacted) |  | 34611101 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Operating agreement provided is not signed and dated. |  |  |  | Reviewer Comment (2025-05-09): Cleared<br>Buyer Comment (2025-05-07): Signed operating agreement uploaded | 05/09/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 604 (redacted) |  | 34611107 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not meet the seasoning requirements for a loan modification as guidelines require [redacted] months. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record | The DSCR of [redacted]is greater than the minimum required DSCR of [redacted].<br>Borrower's Experience/Track Record. Documented investor/landlord history >[redacted]5 years. | SitusAMC<br>Originator | Reviewer Comment (2025-07-21): Lender exception with compensating factors.<br>Reviewer Comment (2025-05-06): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-05-05): Please see the Non Agency loan approval summary attached. file was approved for a UW exception due to no meeting the seasoning requirements for[redacted] months. The Comp Factor is for Prior Homeownership Experience with no FC or Short Sale |  |  | 05/06/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 605 (redacted) |  | 34611114 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent form is missing. |  |  |  | Reviewer Comment (2025-05-12): Cleared.<br>Buyer Comment (2025-05-08): Could you please kindly escalate this discrepancy to your team lead or [redacted] and/or [redacted]. The attached Interspousal Transfer Deed stated that the property is "a creation, transfer, or termination, solely between spouses, of any co-owner's interest" the borrower's spouse [redacted] grants to the property as sole and separate property. a Quit Claim is not necessary also the document was included in the original binder.<br>Reviewer Comment (2025-05-06): If the spouse is not on the loan and did not sign closing documents or did not have a quit claim signed at closing, then the spousal consent document is required. Exception remains.<br>Buyer Comment (2025-05-05): Please see Transfer Deed attached showing that the bwr as sole and separate property | 05/12/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 607 (redacted) |  | 34611118 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is not provided in file |  |  |  | Reviewer Comment (2025-05-20): Documentation of sole membership in file, exception cleared.<br>Reviewer Comment (2025-05-12): Operating Agreement not provided in file. Exception Remains.<br>Buyer Comment (2025-05-09): loan file includes articles of organization, operating agreement not required business docs provided are sufficient | 05/20/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 610 (redacted) |  | 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) | 611 (redacted) |  | 34611124 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of identification is missing in file. |  |  |  | Reviewer Comment (2025-05-14): Received Patriot Act Customer Identification. Exception Cleared.<br>Buyer Comment (2025-05-13): Notarized USA Patriot Information Form uploaded. | 05/14/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 612 (redacted) |  | 34611130 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in file. |  |  |  | Reviewer Comment (2025-05-14): Corporate resolution not required as borrower is a single entity. Exception cleared.<br>Buyer Comment (2025-05-13): Please see Limited Liability Company (LLC) documents, EIN, attached. Bwr owns a personal LLC company owned by a single person who is the only owner with no more additional members. | 05/14/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 612 (redacted) |  | 34611131 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing in file. |  |  |  | Reviewer Comment (2025-05-21): Cleared.<br>Buyer Comment (2025-05-19): Could you please kindly review or either escalate this discrepancy with your Team Lead or Spv? per Employer Identification Number the assigned EID # stated that the LLC company has only one single member which is our borrower. Please see attached Business documents.<br>Reviewer Comment (2025-05-14): Provided document is Article of organization, required operating Agreement required to verify the ownership percentage. Exception remains.<br>Buyer Comment (2025-05-13): Please see Limited Liability Company (LLC) documents, EIN, attached. Bwr owns a personal LLC company owned by a single person who is the only owner with no more additional members. | 05/21/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 612 (redacted) |  | 34611132 |  | 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 | Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-05-08): Client elects to waive with compensating factors. |  |  | 05/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 612 (redacted) |  | 34611133 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-05-15): OFAC provided<br>Buyer Comment (2025-05-14): Please see OFAC report for the borrower business attached.<br>Reviewer Comment (2025-05-14): OFAC for the business entity is not provided. Exception Remains.<br>Buyer Comment (2025-05-13): Please see OFAC report attached | 05/15/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 612 (redacted) |  | 34611134 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Borrower is living rent free (Guidelines require a minimum FICO 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 | Prior Homeownership Experience (No FC or Short Sale). | SitusAMC<br>Originator | Reviewer Comment (2025-09-30): Lender exception with compensating factors. |  |  | 09/30/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 613 (redacted) |  | 34611136 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-05-13): Cleared.<br>Buyer Comment (2025-05-12): Please see CDA report attached. Original binder included the CDA report see page # [redacted] to [redacted] | 05/13/2025 |  |  | 1 D A |  | AZ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 614 (redacted) |  | 34611139 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Bank statement must be sourced for [redacted]days. Additional [redacted]month bank statement require for Account Number:[redacted]. |  |  |  | Reviewer Comment (2025-05-15): Quarterly bank statement provided<br>Buyer Comment (2025-05-13): Could you please see attached Retirement statements ending #[redacted] for the periods of [redacted] thru [redacted] and from [redacted] thru [redacted]. the ending balance from the statement [redacted] thru [redacted] was $[redacted] | 05/15/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| (redacted) | 615 (redacted) |  | 34611141 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing fraud report for B2. |  |  |  | Reviewer Comment (2025-05-14): Initial package had both borrowers fraud report. Exception cleared.<br>Buyer Comment (2025-05-13): please clarify condition, fraud report for both borrowers is uploaded to loan file | 05/14/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 621 (redacted) |  | 34611148 |  | 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 [redacted]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 SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-15): Lender Exception with Compensating Factors. |  |  | 05/15/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 621 (redacted) |  | 34611149 |  | 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 [redacted]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 SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-05-15): Lender Exception with Compensating Factors. |  |  | 05/15/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 621 (redacted) |  | 34611150 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not contain verification of housing history for the past [redacted]months as required by guidelines (borrower unable to provide rent-free letter for prior residence). | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative [redacted]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 SS) | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-12): Lender exception with compensating factors. |  |  | 08/12/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 623 (redacted) |  | 34611155 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Please provide signed and dated operating agreement to confirm ownership percentage. Exception remains. |  |  |  | Reviewer Comment (2025-05-29): CPA letter provided confirming [redacted]% ownership of business, exception cleared.<br>Reviewer Comment (2025-05-22): Require fully executed operating agreement. Exception Remains.<br>Buyer Comment (2025-05-21): Ownership percentage is confirmed by the CPA on the CPA letter, page [redacted]/[redacted] in Acuity. Operating Agreement is not required.<br>Reviewer Comment (2025-05-20): Please provide signed and dated operating agreement to confirm ownership percentage. Exception remains.<br>Buyer Comment (2025-05-19): The borrower is [redacted]% owner of the business entity holding title, operating agreement not required. | 05/29/2025 |  |  | 1 C A |  | MN | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 631 (redacted) |  | 34611166 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS provided not dated. |  |  |  | Reviewer Comment (2025-05-21): Received Certificate of Good Standing document reflects provided date. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-05-20): certificate of good standing included date document was generated | 05/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 632 (redacted) |  | 34611168 |  | 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'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 ([redacted]) is greater than the guideline requirement by .[redacted].<br>The representative [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%. | Substantial cash reserves.<br>DSCR on subject property >[redacted].<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. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-19): Client elects to waive with compensating factors. |  |  | 05/19/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 633 (redacted) |  | 34611170 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Unleased subject property (cash-out Refi) maximum LTV/CLTV is [redacted]% per guideline/matrix. |  |  |  | Reviewer Comment (2025-06-02): Per Guidelines Max LTV is [redacted]%. Exception cleared.<br>Buyer Comment (2025-05-30): Could you please kindly review one more time this exception? Per Guidelines Max LTV allowed when the property is [redacted]-[redacted]units can be up to[redacted]%, Please see attached Non-Agency Loan Approval and screenshot from guidelines indicating additional LTV limits. | 06/02/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 633 (redacted) |  | 34611171 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Unleased subject property (cash-out Refi) maximum LTV/CLTV is [redacted]% per guideline/matrix. |  |  |  | Reviewer Comment (2025-06-02): Per Guidelines Max LTV is [redacted]%. Exception cleared.<br>Buyer Comment (2025-05-30): Could you please kindly review one more time this exception? Per Guidelines Max LTV allowed when the property is [redacted] -[redacted] units can be up to [redacted]%, Please see attached Non-Agency Loan Approval and screenshot from guidelines indicating additional LTV limits. | 06/02/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 633 (redacted) |  | 34611172 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | Redrawn Note provided with later first payment date and maturity date, dates no longer matching security instrument. |  |  |  | Reviewer Comment (2025-09-30): Received redrawn Security Instrument.<br>Buyer Comment (2025-09-30): Corrected MTG with [redacted]st payment | 09/30/2025 |  |  | 1 A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 636 (redacted) |  | 34611176 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent form is missing in file. |  |  |  | Reviewer Comment (2025-05-30): Initial package had deed of trust document. Exception cleared.<br>Buyer Comment (2025-05-29): spouse signed deed of trust with borrower, vesting is joint tenants | 05/30/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 640 (redacted) |  | 34611181 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is missing. |  |  |  | Reviewer Comment (2025-05-23): Quit claim deed received, stating borrower as sole property owner. Exception cleared.<br>Buyer Comment (2025-05-22): quit claim deed<br>Reviewer Comment (2025-05-22): Spousal Consent Form not received. Exception remains.<br>Buyer Comment (2025-05-21): consent form and disclosure tracking | 05/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 640 (redacted) |  | 34611182 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent Form is missing. |  |  |  | Reviewer Comment (2025-05-23): Quit claim deed received, stating borrower as sole property owner. Exception cleared.<br>Buyer Comment (2025-05-22): quit claim deed<br>Reviewer Comment (2025-05-22): Spousal Consent Form not received. Exception remains.<br>Buyer Comment (2025-05-21): consent form with disclosure tracking | 05/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 642 (redacted) |  | 34611186 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-05-22): Note Addendum - Prepayment is received. Exception cleared.<br>Buyer Comment (2025-05-21): Note Addendum uploaded | 05/22/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
| (redacted) | 643 (redacted) |  | 34611188 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  |  |  | Reviewer Comment (2025-06-06): Borrower is sole owner, exception cleared. | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 643 (redacted) |  | 34611189 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing. |  |  |  | Reviewer Comment (2025-06-06): CPA letter in file confirming sole ownership of entity, exception cleared.<br>Reviewer Comment (2025-06-02): Please provide signed and dated operating agreement. Exception remains.<br>Buyer Comment (2025-05-30): Could you please review the documents attached that includes EIN Assigned to [redacted] and stated that our borrower is a Sole Member, LOE from our bwr and a [redacted]rd party indicating that borrowers own [redacted]<br> his business, Articles of Organization indicating that the agent registered is our borrower. <br> This business is owned and operated by only one member our borrower.<br>Buyer Comment (2025-05-30): Could you please review the documents attached that includes EIN Assigned to [redacted] and stated that our borrower is a Sole Member, LOE from our bwr and a [redacted]rd party indicating that borrowers own [redacted]<br> of his business, Articles of Organization indicating that the agent registered is our borrower. <br> This business is owned and operated by only one member our borrower. | 06/06/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 645 (redacted) |  | 34611192 |  | 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 and no post disaster inspection report was provided. |  |  |  | Reviewer Comment (2025-06-09): Received Property Inspection Report (PDI). Exception cleared.<br>Buyer Comment (2025-06-06): See attached inspection; no damage. | 06/09/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 647 (redacted) |  | 34611210 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Hazard Insurance does not reflects [redacted]months of Rent loss. |  |  |  | Reviewer Comment (2025-07-08): Documents received, system cleared.<br>Buyer Comment (2025-07-03): Complete policy info attached. Page [redacted] confirmed fair rental value coverage is included, page [redacted]confirms the limit of insurance. [redacted] exceeds the required coverage amount. | 07/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 653 (redacted) |  | 34611218 |  | 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'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 [redacted]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>Originator,SitusAMC | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors. |  |  | 06/10/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 654 (redacted) |  | 34611219 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2025-06-13): Cleared.<br>Buyer Comment (2025-06-11): Please see Spouse Consent attached. | 06/13/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 656 (redacted) |  | 34611223 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-06-13): Cleared.<br>Buyer Comment (2025-06-11): Prepayment Addendum to Note uploaded | 06/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | Yes |
| (redacted) | 656 (redacted) |  | 34611224 |  | 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 [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%. | 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>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors. |  |  | 06/10/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 656 (redacted) |  | 34611226 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the borrower living rent free as a first time investor. | 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 [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%. | 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>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors. |  |  | 06/10/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 657 (redacted) |  | 34611228 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2025-06-13): Cleared.<br>Buyer Comment (2025-06-11): Please see USA Patriot Act Information attached used for verification of Identification | 06/13/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 657 (redacted) |  | 34611229 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. | Borrower'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 [redacted]score exceeds the guideline minimum by at least [redacted]points.<br>The Combined Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%. | 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>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors. |  |  | 06/10/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 661 (redacted) |  | 34611234 |  | 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]. A lender exception was provided a lender exception however no compensating factors were listed. | Borrower has owned the subject property for at least [redacted]years. |  | SitusAMC | Reviewer Comment (2025-08-19): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-22): [redacted] approved.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception.<br>Reviewer Comment (2025-07-03): Compensating factors do not support downgrading/waiving of the exception<br>Buyer Comment (2025-06-30): Updated approval uploaded<br>Reviewer Comment (2025-06-26): Provide an updated approval with compensating factors.<br>Buyer Comment (2025-06-24): These exceptions were approved by [redacted] with the following compensating factor:<br> [redacted]<br> : Prior Homeownership Experience (no FC or Short Sale) <br> Along with the following mitigating factors: <br> - Mortgage history: [redacted]<br> for both mortgages on subject <br> - Loan originated [redacted]<br> - Oldest trade reporting on credit since [redacted]<br> - Rate ARM [redacted] to FIXED [redacted]<br> - Primary residence owned free and clear |  |  | 07/22/2025 | 2 C B |  | FL | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| (redacted) | 661 (redacted) |  | 34611235 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. Condo project does not meet allowances due to excessive delinquencies, allocated reserves are less than [redacted]%. A lender exception was provided a lender exception however no compensating factors were listed. | Borrower has owned the subject property for at least [redacted]years. |  | SitusAMC | Reviewer Comment (2025-08-19): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-03): Client elects to waive with compensating factors.<br>Buyer Comment (2025-06-30): Updated approval uploaded<br>Reviewer Comment (2025-06-26): Provide an updated approval with compensating factors.<br>Buyer Comment (2025-06-24): These exceptions were approved by [redacted] with the following compensating factor:<br> [redacted] Prior Homeownership Experience (no FC or Short Sale) <br> Along with the following mitigating factors: <br> - Mortgage history: [redacted] for both mortgages on subject <br> - Loan originated [redacted]<br> - Oldest trade reporting on credit since[redacted]<br> - Rate ARM [redacted]<br> - Primary residence owned free and clear |  |  | 07/03/2025 | 2 C B |  | FL | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| (redacted) | 662 (redacted) |  | 34611236 |  | 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 ___. | Loan amount of $[redacted]fails to meet the guideline minimum of $[redacted]. Exception policy guidelines requires an exception MUST include a minimum of one ([redacted]) Compensating Factor from EACH of the Category A and Category B lists. The two comp factors provided are both from Category A. | 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>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by .[redacted].<br>The representative [redacted]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>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-16): Client elects to waive with compensating factors.<br>Buyer Comment (2025-06-12): Non-Agency Loan Approval included 2 comp factors from category A in lieu of a CF from category B, category A is a stronger group of comp factors and would take the place of a B CF |  |  | 06/16/2025 | 2 C B |  | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 663 (redacted) |  | 34611239 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is [redacted]acres which exceeds guideline maximum of [redacted]acres. | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>Miscellaneous | Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender exception with compensating factors. |  |  | 08/27/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| (redacted) | 664 (redacted) |  | 34611240 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary residence is not suprerior to the subject. (guidelins require primary residence to be superior to the subject when purchasing a SFR). | 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 [redacted]score exceeds the guideline minimum by at least [redacted]points. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors. |  |  | 06/10/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 666 (redacted) |  | 34611244 |  | 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 ___. | Calculated loan to value percentage of [redacted]% exceeds Guideline loan to value percentage 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 Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by .[redacted]. | DSCR on subject property >[redacted]. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-10): Client elects to waive with compensating factors. |  |  | 06/10/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 666 (redacted) |  | 34611245 |  | 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 ___. | Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage 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 Debt Service Coverage Ratio ([redacted]) is greater than the guideline requirement by .[redacted].<br>Borrower's Experience/Track Record | DSCR on subject property >[redacted].<br>Borrower's Experience/Track Record. The borrower has: [redacted]Years of Experience. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-22): Lender exception with compensating factors. |  |  | 08/22/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 667 (redacted) |  | 34611247 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-06-18): Cleared.<br>Buyer Comment (2025-06-16): please refer to ITIN guidelines for this transaction, as noted, borrower was approved ITIN<br>Reviewer Comment (2025-06-16): Per guidelines page [redacted] copies of borrower's passport and valid visa must be obtained.<br>Buyer Comment (2025-06-12): borrower was approved under ITIN documentation. ITIN in loan file, see supporting documentation uploaded | 06/18/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 669 (redacted) |  | 34611250 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower not meeting seasoning for a loan modification. Guidelines require [redacted]months and borrower's modifications were dated [redacted] and [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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Debt Service Coverage Ratio ([redacted]) 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>Miscellaneous | Lender Exception with Compensating Factors.<br>DSCR on subject property > [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 669 (redacted) |  | 34611251 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Guidelines allow for [redacted]and borrower's lates exceed guideline maximum. | 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 ([redacted]) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Debt Service Coverage Ratio ([redacted]) 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>Miscellaneous | Lender Exception with Compensating Factors.<br>DSCR on subject property > [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 672 (redacted) |  | 34611254 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-07-03): Documents received, system cleared.<br>Buyer Comment (2025-07-01): Coverage was increased to match loan amount, see attached page [redacted]. | 07/03/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 672 (redacted) |  | 34611255 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow pay off of note past maturity date. | 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>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 672 (redacted) |  | 34611256 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow[redacted]and [redacted]mortgage lates in the past [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>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 672 (redacted) |  | 34611258 |  | 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 ___. | LTV exceeds the max of [redacted]% for an unleased property. | 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>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 672 (redacted) |  | 34611259 |  | 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 ___. | LTV exceeds the max of [redacted]% for an unleased property. | 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>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Lender Exception with Compensating Factors.<br>Excellent credit management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 674 (redacted) |  | 34611262 |  | 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 ___. | Guidelines shows min loan amount as $[redacted], however Loan amount is $[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 representative FICO score exceeds the guideline minimum by at least [redacted]points.<br>Miscellaneous | Excellent Credit Management with FICO [redacted]+.<br>DSCR on subject property > [redacted] | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 676 (redacted) |  | 34611265 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insufficient Hazard policy amount. |  |  |  | Reviewer Comment (2025-06-20): Dwelling coverage is greater than base loan amount. | 06/20/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 677 (redacted) |  | 34611267 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-06-27): FNMA UCDP report with [redacted]risk score provided.<br>Buyer Comment (2025-06-25): FNMA SSR completed at time of appraisal report<br>Reviewer Comment (2025-06-25): The UCDP report not provided prior to the note date to verify the CU score. Exception remains.<br>Buyer Comment (2025-06-24): cu score is not greater than [redacted], per guidelines desk review required if score is over [redacted] | 06/27/2025 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611270 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-07-01): Final title provided | 07/01/2025 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611271 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Coverage is insufficient. |  |  |  | Reviewer Comment (2025-07-01): Final title provided<br>Buyer Comment (2025-06-30): Policy uploaded<br>Reviewer Comment (2025-06-26): No updated title uploaded.<br>Buyer Comment (2025-06-24): closing instructions uploaded | 07/01/2025 |  |  | 1 B A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611272 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood insurance is missing. |  |  |  | Reviewer Comment (2025-06-25): Flood Insurance policy document provided. Exception cleared.<br>Buyer Comment (2025-06-24): Flood insurance policy uploaded | 06/25/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611273 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  | Closing instructions are missing. |  |  |  | Reviewer Comment (2025-06-25): Received closing instruction document. Exception cleared.<br>Buyer Comment (2025-06-24): closing instructions uploaded | 06/25/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611274 |  | 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 ___. | LTV exceeds max of [redacted]% for unleased property. | 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 | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]+<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611275 |  | 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 ___. | LTV exceeds max of [redacted]% for unleased property. | 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 | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]+<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611276 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow payoff of note past maturity date. | 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 | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]+<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 679 (redacted) |  | 34611277 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow a [redacted] and a [redacted] in the last [redacted]months. | 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 | Lender Exception with Compensating Factors.<br>Excellent Credit Management with FICO [redacted]+<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-06-20): Lender Exception with Compensating Factors. |  |  | 06/20/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 681 (redacted) |  | 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) | 682 (redacted) |  | 34611283 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free.Provide additional compelling compensating factors for consideration of downgrading/waiving exception. Calculated LTV not [redacted]% lower than matrix. | 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 equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-17): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception.<br>Reviewer Comment (2025-07-03): An exception MUST include a minimum of one (1) Compensating<br> Factor from EACH of the Category A and Category B lists. The two comp factors provided are both from Category B. Corrected maximum LTV/CLTV allowed to[redacted] for a first time investor with FICO > [redacted].<br>Buyer Comment (2025-07-02): According to the matrix, first time investors with FICO >[redacted] have maximum LTV limitation of [redacted], the loan [redacted] lower than matrix. Additional compensating factor is the borrower's conservative/minimal use of credit. See uploaded [redacted] Approval Summary, updated to show the additional compensating factor. |  |  | 07/22/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 684 (redacted) |  | 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) | 688 (redacted) |  | 34611293 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is marked rural 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 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 | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender exception with compensating factors. |  |  | 08/27/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 688 (redacted) |  | 34611294 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property reflects acreage of [redacted]which exceeds the guideline maximum of [redacted]acres. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<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 | Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+.<br>Prior homeownership experience (No FC or Short Sale). | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-08-27): Lender exception with compensating factors. |  |  | 08/27/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 691 (redacted) |  | 34611298 |  | 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 (2025-06-27): FNMA and FHLMC UCDP report risk score of 1 was provided<br>Buyer Comment (2025-06-25): please review date of document uploaded top right corner, SSR completed at time of appraisal prior to Note date<br>Reviewer Comment (2025-06-25): Provided UCDP report is post-closing , required UCDP report on or before the note date. Exception remains<br>Buyer Comment (2025-06-24): please see CU score of [redacted] no secondary valuation required | 06/27/2025 |  |  | 1 D A |  | TN | Investment | Refinance - Limited Cash-out GSE | D A |  | N/A | No |
| (redacted) | 692 (redacted) |  | 34611304 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Secondary valuation is not provided in file. |  |  |  | Reviewer Comment (2025-06-27): [redacted]risk score of [redacted] provided<br>Buyer Comment (2025-06-25): CU score is under [redacted]. LTV is under [redacted]. Secondary valuation is not required<br>Reviewer Comment (2025-06-25): Provide document is property report. Please provided secondary valuation document. Exception remains.<br>Buyer Comment (2025-06-24): See uploaded file | 06/27/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 693 (redacted) |  | 34611307 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception 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 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 (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | HI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 694 (redacted) |  | 34611310 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free. Provide compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-22): [redacted] approved.<br>Buyer Comment (2025-07-17): Exception Approval approved by [redacted] uploaded. Please note, if reviewer is unable to downgrade and waive exception, please escalate to [redacted]. |  |  | 07/22/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 695 (redacted) |  | 34611314 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free. | 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. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-01): Client elects to waive with compensating factors. |  |  | 07/01/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 698 (redacted) |  | 34611318 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property exceeds max acreage allowed by guidelines of [redacted]acres, Subject is [redacted]acres. | 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 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>Originator,SitusAMC | Reviewer Comment (2025-07-02): Client elects to waive with compensating factors. |  |  | 07/02/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 700 (redacted) |  | 34611322 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower living rent free (Guideline require verification of Primary housing for all [redacted]st time investor). Lender Exception provided however no compensating factors were listed. | 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]. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-03): [redacted] approval of living rent free |  |  | 07/08/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 700 (redacted) |  | 34611324 |  | 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 ___. | Loan amount does not meet minimum (Minimum loan Amount per Guideline is [redacted]K, actual loan amount is $[redacted]). Lender Exception provided however no compensating factors were listed. | 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]. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-03): [redacted] approval of loan amount |  |  | 07/08/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 700 (redacted) |  | 34611325 |  | 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 ___. | Max LTV for [redacted]st time investor with FICO of [redacted]is [redacted]%). Lender Exception provided however no compensating factors were listed. | 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]. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-03): [redacted] approval of ltv with fico score of [redacted] for first time investor |  |  | 07/08/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 700 (redacted) |  | 34611326 |  | 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 ___. | ax LTV for [redacted]st time investor with FICO of [redacted]is [redacted]%). Lender Exception provided however no compensating factors were listed. | 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]. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-08): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-03): [redacted] approval of ltv with fico score of [redacted] for first time home buyer |  |  | 07/08/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 702 (redacted) |  | 34611329 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-07-07): Received UCDP summary showing Risk score is [redacted]so secondary valuation is not required, Exception cleared.<br>Buyer Comment (2025-07-03): ucdp uploaded with score of [redacted] | 07/07/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 703 (redacted) |  | 34611331 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not evidence that collection account on the borrower's credit report was paid off prior to closing as required per the guidelines. | 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. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-08): Client elects to waive with compensating factors.<br>Buyer Comment (2025-08-04): non-agency loan approval for debt to remain on credit uploaded |  |  | 08/08/2025 | 2 B |  | FL | Investment | Purchase | A B |  | N/A | No |
| (redacted) | 710 (redacted) |  | 34611342 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note in file was not paid off by the maturity date (Guidelines require all Notes be paid off by the maturity date). | 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 | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 710 (redacted) |  | 34611343 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan reflects [redacted] and [redacted] mortgage lates and guidelines only allow for [redacted] late in the past [redacted] months. | 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 | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 710 (redacted) |  | 34611344 |  | 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 ___. | Maximum LTV for an unleased property is [redacted]%. | 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 | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 710 (redacted) |  | 34611345 |  | 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 ___. | Maximum CLTV for an unleased property is [redacted]%. | 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 | Substantial cash reserves.<br>Excellent credit management with FICO [redacted]+.<br>Conservative use of credit or minimal use of revolving credit. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-09-02): Lender exception with compensating factors. |  |  | 09/02/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | A B |  | N/A | No |
| (redacted) | 712 (redacted) |  | 34611349 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing in file. |  |  |  | Reviewer Comment (2025-07-08): Fraud report provided<br>Buyer Comment (2025-07-03): Please see Fraud Report attached | 07/08/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 712 (redacted) |  | 34611350 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check is missing in file. |  |  |  | Reviewer Comment (2025-07-08): Fraud report provided<br>Buyer Comment (2025-07-03): Please see Fraud Report attached | 07/08/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 712 (redacted) |  | 34611351 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | Reviewer Comment (2025-07-08): Fraud report provided<br>Buyer Comment (2025-07-03): Please see Fraud Report attached | 07/08/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 714 (redacted) |  | 34611353 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Exception Request for Non-Warrantable Condo Project-open pending law suit | 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<br>Miscellaneous | Excellent credit management with FICO [redacted]+<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-10): Updated [redacted] Approval Summary uploaded, showing new comp factor of minimal/conservative use of credit. Knowing that the policy requires one cat A and two cat B comp factors, logically, we can agree that TWO cat A and one cat b comp factors would be even better and should be satisfactory.<br>Reviewer Comment (2025-07-08): Exception requires one comp factors from category A and two comp <br> factors from category B since there are two exceptions. There were three comp factors provided but only two can be used as the [redacted] years on job cannot be used as this is a lease loan and no employment or income is stated or verified. The two other comps provided are both from category A which means we still need at least two comp factors from category B. |  |  | 07/14/2025 | 2 C B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 714 (redacted) |  | 34611354 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final Title Policy is Missing in file. |  |  |  | Reviewer Comment (2025-07-11): Title final received and updated .Exception cleared<br>Buyer Comment (2025-07-10): Title Policy uploaded | 07/11/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 714 (redacted) |  | 34611355 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Title Preliminary is Missing in file. |  |  |  | Reviewer Comment (2025-07-11): Title final received and updated .Exception cleared<br>Buyer Comment (2025-07-10): Title Policy uploaded | 07/11/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 714 (redacted) |  | 34611356 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for unverifiable housing as guidelines require verification of primary housing for all first time investors. | 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<br>Miscellaneous | Excellent credit management with FICO [redacted]+<br>Low default risk with substantial equity, LTV [redacted]% lower than matrix.<br>Conservative use of credit or minimal use of revolving credit. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator<br>Originator | Reviewer Comment (2025-07-14): Lender Exception with Compensating Factors.<br>Buyer Comment (2025-07-10): Updated [redacted] Approval Summary uploaded, showing new comp factor of minimal/conservative use of credit. Knowing that the policy requires one cat A and two cat B comp factors, logically, we can agree that TWO cat A and one cat b comp factors would be even better and should be satisfactory.<br>Reviewer Comment (2025-07-08): Exception requires one comp factors from category A and two comp <br> factors from category B since there are two exceptions. There were three comp factors provided but only two can be used as the [redacted] years on job cannot be used as this is a lease loan and no employment or income is stated or verified. The two other comps provided are both from category A which means we still need at least two comp factors from category B. |  |  | 07/14/2025 | 2 C B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 718 (redacted) |  | 34611367 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing. |  |  |  | Reviewer Comment (2025-07-07): Received USA Patriot act information form having borrower driver license information, Exception cleared.<br>Buyer Comment (2025-07-03): Please see attached Patriot Act form and copy of Driver License | 07/07/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 718 (redacted) |  | 34611368 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for rural 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 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. | Lender Exception with Compensating Factors.<br>DSCR on subject property > [redacted]<br>Low default risk with substantial equity, LTV[redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+ | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-02): Lender Exception with Compensating Factors. |  |  | 07/02/2025 | 2 B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 720 (redacted) |  | 34611371 |  | 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 ___. | Guideline max is [redacted]% LTV, currently at [redacted]% LTV. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [redacted]Years of Experience. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-25): Lender exception with compensating factors.<br>Reviewer Comment (2025-08-25): ...<br>Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 08/25/2025 | 2 C B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 720 (redacted) |  | 34611372 |  | 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 ___. | Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [redacted]Years of Experience. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-25): Lender exception with compensating factors.<br>Reviewer Comment (2025-08-25): ...<br>Reviewer Comment (2025-08-25): ....<br>Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 08/25/2025 | 2 C B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 720 (redacted) |  | 34611373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted]+ finaced properties. Guideline requirement is max [redacted] loans. borrower will have [redacted] loans . Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: [redacted]Years of Experience. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-25): Lender exception with compensating factors.<br>Reviewer Comment (2025-08-25): ...<br>Reviewer Comment (2025-07-23): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-18): Please note, exception approved by [redacted] and meets exception policy guidelines. Please escalate to [redacted] if reviewer is unable to downgrade and waive exception. |  |  | 08/25/2025 | 2 C B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 723 (redacted) |  | 34611378 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request to allow charge-off to remain open when guidelines state charge-offs < [redacted]months are to be paid in full. | 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 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>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-10): Lender Exception with Compensating Factors. |  |  | 07/10/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 724 (redacted) |  | 34611380 |  | 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 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 | Documented investor/landlord history > [redacted]years.<br>Total monthly payment savings of at least $[redacted]to $[redacted]per month. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-10): Lender Exception with Compensating Factors. |  |  | 07/10/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 724 (redacted) |  | 34611381 |  | 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 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 | Documented investor/landlord history > [redacted]years.<br>Total monthly payment savings of at least $[redacted]to $[redacted]per month. | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-10): Lender Exception with Compensating Factors. |  |  | 07/10/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 725 (redacted) |  | 34611384 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2025-07-16): Received patriot act customer identification document. Exception cleared.<br>Buyer Comment (2025-07-15): Patriot Act information form uploaded. | 07/16/2025 |  |  | 1 C A |  | NM | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 729 (redacted) |  | 34611388 |  | 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 ___. | Loan amount of $[redacted]is less than Guideline minimum loan amount 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 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] | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-10): Lender Exception with Compensating Factors. |  |  | 07/10/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 732 (redacted) |  | 34611394 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-warrantable condo. | 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]%. | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-10): Client elects to waive with compensating factors. |  |  | 07/10/2025 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 732 (redacted) |  | 34611396 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-07-16): Fraud report provided.<br>Buyer Comment (2025-07-15): [redacted] report with OFAC | 07/16/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 732 (redacted) |  | 34611397 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-16): Fraud report provided.<br>Buyer Comment (2025-07-15): [redacted] report with OFAC | 07/16/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 732 (redacted) |  | 34611398 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report provided is incomplete. |  |  |  | Reviewer Comment (2025-07-16): Fraud report provided.<br>Buyer Comment (2025-07-15): [redacted]report with OFAC | 07/16/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 732 (redacted) |  | 34611399 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report provided is incomplete. |  |  |  | Reviewer Comment (2025-07-16): Fraud report provided.<br>Buyer Comment (2025-07-15): [redacted]report with OFAC | 07/16/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 732 (redacted) |  | 34611400 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Fraud report provided is incomplete. |  |  |  | Reviewer Comment (2025-07-16): Fraud report provided.<br>Buyer Comment (2025-07-15): [redacted]report with OFAC | 07/16/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| (redacted) | 734 (redacted) |  | 34611402 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Unverifiable housing for [redacted]st time investor. | 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. | Excellent Credit Management with FICO [redacted]+. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-12): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-10): Client elects to waive with compensating factors. |  |  | 09/12/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 736 (redacted) |  | 34611404 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing |  |  |  | Reviewer Comment (2025-08-06): Cleared.<br>Buyer Comment (2025-08-04): Attached. | 08/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 736 (redacted) |  | 34611405 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien is missing |  |  |  | Reviewer Comment (2025-08-06): Cleared.<br>Buyer Comment (2025-08-04): Attached. | 08/06/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 736 (redacted) |  | 34611407 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is missing. |  |  |  | Reviewer Comment (2025-08-06): Cleared.<br>Buyer Comment (2025-08-04): See [redacted] | 08/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 736 (redacted) |  | 34611408 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] CMS financed properties, guidelines max is [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 | Experienced landlord with [redacted]+ investment properties & mortgage [redacted]. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| (redacted) | 737 (redacted) |  | 34611409 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing complete Note for subject lien. Provided Note is missing page [redacted]. |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): Complete note uploaded. | 07/25/2025 |  |  | 1 D A |  | NJ | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 738 (redacted) |  | 34611413 |  | 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 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>Seasoned Borrower/Investor whose experience exceeds [redacted]completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by[redacted]. | Documented investor/landlord history > [redacted] years<br>Experienced landlord with [redacted]+ investment properties and mortgages [redacted]<br>DSCR on subject property > [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 740 (redacted) |  | 34611416 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for rural 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.<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>Excellent credit management 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 (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | MI | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 740 (redacted) |  | 34611417 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for subject property acreage of [redacted]acres when only [redacted]acres allowed per guidelines. | 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 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>Excellent credit management 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 (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | MI | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 741 (redacted) |  | 34611419 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | CPA letter in file is not dated and access to funds was not provided. |  |  |  | Reviewer Comment (2025-07-30): Provided.<br>Buyer Comment (2025-07-28): CPA letter uploaded. | 07/30/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 742 (redacted) |  | 34611424 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | Explanation Letter for large deposit is missing in file. |  |  |  | Reviewer Comment (2025-07-25): Provided.<br>Buyer Comment (2025-07-23): LOE and source of deposit uploaded. | 07/25/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 743 (redacted) |  | 34611427 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2025-07-25): Verification of identification provided date second borrower signed,exception cleared.<br>Reviewer Comment (2025-07-25): Documents are required to signed prior to closing 0[redacted]. Uploaded documents are dated [redacted].<br>Buyer Comment (2025-07-23): submit was a dual signing, cb signed on the [redacted] and loan disbursed the [redacted], please see final settlement statement uploaded to support closing date<br>Reviewer Comment (2025-07-22): Uploaded patriot act disclosures for both borrowers are dated post close.<br>Buyer Comment (2025-07-17): Uploaded patriot act disclosure for both borrowers | 07/25/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 744 (redacted) |  | 34611429 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2025-07-31): Patriot Act disclosure provided<br>Buyer Comment (2025-07-29): Patriot act disclosure uploaded. | 07/31/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 744 (redacted) |  | 34611432 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for borrower living rent free. | 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. | Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-26): Client elects to waive with compensating factors. |  |  | 09/26/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| (redacted) | 745 (redacted) |  | 34611434 |  | 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 ___. | 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>Miscellaneous | Documented Investor/ Landlord history >[redacted]years.<br>Substantial cash reserves.<br>Multiple mortgages [redacted]+) reported on credit seasoned [redacted]+ months & [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-17): See uploaded updated approval summary showing approved exception from loan amount less than [redacted] |  |  | 07/22/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 745 (redacted) |  | 34611435 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower ownership of [redacted]% for the LLC the property is currently invested in. (Guidelines require a minimum 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>Miscellaneous | Documented Investor/ Landlord history >[redacted]years.<br>Substantial cash reserves.<br>Multiple mortgages [redacted]+) reported on credit seasoned [redacted]+ months & [redacted] | Originator,SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors. |  |  | 07/22/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 746 (redacted) |  | 34611439 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested an exception which was approved for borrower is living rent free (Guideline rent free require a credit 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>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]%. | Lender Exception with Compensating Factors<br>Low default risk with equity, LTV [redacted]% lower than matrix. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | TX | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 749 (redacted) |  | 34611443 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo is non-warrantable, guidelines require full project approval on all condo projects. | 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. | Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months & [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-17): Please see Non-agency Loan Approval Summary showing that file was approved for a UW exception for being a non-Warrantable Condo. |  |  | 07/22/2025 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 749 (redacted) |  | 34611444 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit Report shows borrower current primary address is same as subject property address. |  |  |  | Reviewer Comment (2025-07-22): Cleared.<br>Buyer Comment (2025-07-17): Please see attached LOE from borrower stating that his primary residency is [redacted] also Utility bill showing primary residency, Mortgage monthly statement and business purpose statement. | 07/22/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 750 (redacted) |  | 34611446 |  | 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 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>Low default risk with equity, LTV [redacted]% lower than matrix. | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-22): Client elects to waive with compensating factors.<br>Buyer Comment (2025-07-17): See updated approval summary showing approved UPE for loan amount less than [redacted]0. |  |  | 07/22/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 751 (redacted) |  | 34611449 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower ownership of [redacted]% for the LLC the property is currently vested in. | 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]. | DSCR on subject property > [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 751 (redacted) |  | 34611450 |  | 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 ___. | LTV of [redacted]% exceeds guideline max of [redacted]% for a borrower with a FICO below [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]. | DSCR on subject property > [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 751 (redacted) |  | 34611451 |  | 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 ___. | LTV of [redacted]% exceeds guideline max of [redacted]% for a borrower with a FICO below [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]. | DSCR on subject property > [redacted] | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-15): Lender Exception with Compensating Factors |  |  | 07/15/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 760 (redacted) |  | 34611466 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] day mortgage lates in the past [redacted]months. (Guidelines allow for [redacted] day mortgage lates in the past [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 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.<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]%. | DSCR on subject property >[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 | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | RI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 760 (redacted) |  | 34611467 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Excuted leases for all units with no less than [redacted]months remaining at time of closing is required. |  |  |  | Reviewer Comment (2025-08-11): Cleared.<br>Buyer Comment (2025-08-04): Please note, all [redacted] leases are month to month / tenants @ will which is also supported by the appraisal report. The appraisal also supports all units are occupied . [redacted] months remaining does not apply as all leases are month to month. | 08/11/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 765 (redacted) |  | 34611473 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Collection is greater than [redacted]months old but is also greater than $[redacted]per occurrence. |  |  |  | Reviewer Comment (2025-07-29): Collection paid down to meet guideline requirements<br>Buyer Comment (2025-07-25): credit balances, [redacted] Funding paid down to [redacted] paid in full | 07/29/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 765 (redacted) |  | 34611474 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for less than [redacted]months ownership. | 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 (2025-09-26): Client elects to waive with compensating factors. |  |  | 09/26/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 765 (redacted) |  | 34611475 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender approved exception for living rent free., minimum FICO of [redacted]required. | 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 (2025-09-26): Client elects to waive with compensating factors. |  |  | 09/26/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 765 (redacted) |  | 34611476 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception 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. | Substantial cash reserves. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-26): Client elects to waive with compensating factors. |  |  | 09/26/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 767 (redacted) |  | 34611481 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for acreage of [redacted]exceeding the guideline max 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 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. | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+ | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-23): Lender Exception with Compensating Factors. |  |  | 07/23/2025 | 2 B |  | HI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 767 (redacted) |  | 34611482 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for [redacted] review and approval of property. | 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. | Lender Exception with Compensating Factors.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent credit management with FICO [redacted]+ | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-07-23): Lender Exception with Compensating Factors. |  |  | 07/23/2025 | 2 B |  | HI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 768 (redacted) |  | 34611484 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease Agreement is missing from file |  |  |  | Reviewer Comment (2025-07-29): Lease agreement provided<br>Buyer Comment (2025-07-25): lease agreement | 07/29/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 768 (redacted) |  | 34611486 |  | 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 FICO [redacted]Guideline loan amount> mil require a FICO of [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 (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-30): ...<br>Reviewer Comment (2025-07-23): Client elects to waive with compensating factors. |  |  | 09/30/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 768 (redacted) |  | 34611487 |  | 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. |  | Missing lease for the subject property. |  |  |  | Reviewer Comment (2025-07-29): Lease agreement provided<br>Buyer Comment (2025-07-25): lease agreement | 07/29/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 771 (redacted) |  | 34611492 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing for the borrowing entity. |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Articles of Organization, Certificate of Good Standing, EIN Number, and Operating Agreement uploaded. | 07/31/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 771 (redacted) |  | 34611493 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Articles of Organization, Certificate of Good Standing, EIN Number, and Operating Agreement uploaded. | 07/31/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 771 (redacted) |  | 34611494 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Articles of Organization, Certificate of Good Standing, EIN Number, and Operating Agreement uploaded. | 07/31/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 771 (redacted) |  | 34611495 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | EIN missing from file. |  |  |  | Reviewer Comment (2025-07-31): Documents received, system cleared.<br>Buyer Comment (2025-07-29): Articles of Organization, Certificate of Good Standing, EIN Number, and Operating Agreement uploaded. | 07/31/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 772 (redacted) |  | 34611497 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] Non- Permanent Resident(Guidelines do not 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 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. | Substantial cash reserves. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | VA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 775 (redacted) |  | 34611501 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage lates [redacted].(Guidelines allow max [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>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 (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | OR | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 780 (redacted) |  | 34611507 |  | 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 ___. | Guidelines LTV is [redacted]% and calculated CLTV 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] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 780 (redacted) |  | 34611508 |  | 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 ___. | Guidelines LTV is [redacted]% and calculated CLTV 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] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 783 (redacted) |  | 34611512 |  | 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. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-08-20): PDI report provided<br>Buyer Comment (2025-08-14): Disaster re-inspection report uploaded. | 08/20/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 789 (redacted) |  | 34611521 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non- warrantable condo. | 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. | Substantial cash reserves.<br>Low default risk with equity, LTV [redacted]% lower than matrix.<br>Excellent Credit Management with FICO [redacted]+. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-09-30): ...<br>Reviewer Comment (2025-09-30): ..<br>Reviewer Comment (2025-07-29): Client elects to waive with compensating factors. |  |  | 09/30/2025 | 2 B |  | NC | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 795 (redacted) |  | 34611529 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrowers living rent-free at other than at their spouse's residence are acceptable with a minimum [redacted]FICO. | 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 | Documented Investor/ Landlord history >[redacted] years.<br>Substantial cash reserves.<br>Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months & [redacted]. | SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-09-30): Lender exception with compensating factors.<br>Reviewer Comment (2025-07-28): Client elects to waive with compensating factors. |  |  | 07/28/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 798 (redacted) |  | 34611533 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non- warrantable condo. | 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 | Substantial cash reserves.<br>Excellent Credit Management with FICO[redacted]+.<br>Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months & [redacted] | Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-07-29): Client elects to waive with compensating factors. |  |  | 07/29/2025 | 2 B |  | NC | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 803 (redacted) |  | 34611541 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for modification on investor advantage with under [redacted]months of seasoning. | 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. | Lender Exception with Compensating Factors. | Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | DC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 805 (redacted) |  | 34611542 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | Lender requested an exception which was approved for borrower is living rent free (Guideline require verification of primary housing for all [redacted]st time investor) | 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.<br>Excellent credit management with FICO [redacted]+ | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 806 (redacted) |  | 34611545 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Lender request exception for Non-Warrantable Condo (Guidelines require full project approval on all Condo's). | 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.<br>Miscellaneous | Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months and [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 806 (redacted) |  | 34611546 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Please Override: Exception has been raised in the file. | 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.<br>Miscellaneous | Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months and [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-08-06): Lender Exception with Compensating Factors. |  |  | 08/06/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 810 (redacted) |  | 34611552 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for unverifiable housing. | Borrower has owned the subject property for at least [redacted]years.<br>Borrower has a clean housing payment history<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]%. | Multiple mortgages ([redacted]+) reported on credit seasoned [redacted]+ months and [redacted]<br>Low default risk with equity, LTV [redacted]% lower than matrix | SitusAMC<br>Originator<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-12): Lender approved exception with compensating factors.<br>Buyer Comment (2025-08-08): Could you please offer a little bit more information in regards this exception? The file was approved for a UW exception because we were unable to obtain [redacted] months of verified housing history. We had listed two Comp Factors, and this exception was approved by [redacted]. Please see attached Loan Agency Loan Approval Summary.<br>Reviewer Comment (2025-08-05): Comp factor states LTV 1[redacted] lower than matrix. Based of [redacted]DSCR the minimum LTV is [redacted]and subject property LTV is [redacted]%. Lease agreements in file are for [redacted]/month and [redacted]/month. |  |  | 08/12/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 813 (redacted) |  | 34611555 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization missing in Loan File. |  |  |  | Reviewer Comment (2025-08-14): Documents received, system cleared.<br>Buyer Comment (2025-08-12): (Snip from guidelines)<br> The following Entity documentation must be provided:<br> • Entity Articles of Organization, Partnership, and Operating Agreements (IF APPLICABLE)<br> • Tax Identification Number<br> • Certificate of Good Standing<br> • Certificate of Authorization for the person executing all documents on behalf of the Entity <br>Based on the verbiage of the guidelines, articles of organiztion/formation are on an "if applicable" basis. In this case, the operating agreement showing the borrower as 100% owner, satisfies this requirement. | 08/14/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 815 (redacted) |  | 34611560 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  |  |  |  |  | Reviewer Comment (2025-08-12): LOX and bank statements provided<br>Buyer Comment (2025-08-08): Please see attached final settlement statement from the purchase and the source of the funds from the initial purchase. | 08/12/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 815 (redacted) |  | 34611561 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  |  |  |  |  | Reviewer Comment (2025-08-12): Closing statement provided<br>Buyer Comment (2025-08-08): Please see attached final settlement statement from the purchase and the source of the funds from the initial purchase. | 08/12/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 816 (redacted) |  | 34611563 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing information Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-08-20): Attestation letter provided<br>Buyer Comment (2025-08-15): attestation letter uploaded<br>Reviewer Comment (2025-08-12): Missing initial informational business purpose certificate.<br>Buyer Comment (2025-08-07): business purpose cert | 08/20/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 818 (redacted) |  | 34611566 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Non permanent resident EAD CO9. | 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. | 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 | Reviewer Comment (2025-08-06): Client elects to waive with compensating factors. |  |  | 08/06/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 820 (redacted) |  | 34611569 |  | 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 (2025-08-12): LLC is [redacted] owned by borrower and considered own funds<br>Buyer Comment (2025-08-08): [redacted] page two lists borrower as [redacted] owner of [redacted]. Therefore qualifying assets are borrower's business assets, and qualify as own funds. | 08/12/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/14/2025 11:22:48 AM** | **Run Date - 10/14/2025 11:22:48 AM** | **Run Date - 10/14/2025 11:22:48 AM** | **Run Date - 10/14/2025 11:22:48 AM** | **Run Date - 10/14/2025 11:22:48 AM** | **Run Date - 10/14/2025 11:22:48 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| (redacted) | 1 | (redacted) |  |  |  | A | A | A | A | CA | A | C | C | C | C | RC | C | C | C | C | C | VC | C | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 2 | (redacted) |  |  |  | C | C | C | C | CC | C | B | B | B | B | RB | B | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 3 | (redacted) |  |  |  | C | C | C | C | CC | C | C | C | C | C | RD | C | A | A | A | A | VA | A | C | C | C | C | D | C | A | A | A | A | A | A | A | B | B | B | A | A | A | A | A | A | A | A | A | B | B | B | A | A |
| (redacted) | 4 | (redacted) |  |  |  | A | A | A | A | CA | A | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 5 | (redacted) |  |  |  | A | A | A | A | CA | A | C | C | C | C | RD | C | A | A | A | A | VA | A | C | C | C | C | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 6 | (redacted) |  |  |  | C | C | C | C | CC | C | A | A | A | A | RA | A | A | A | A | A | VA | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 7 | (redacted) |  |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 8 | (redacted) |  |  |  | A | A | A | A | CA | A | A | A | A | A | RA | A | A | A | A | A | VA | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 9 | (redacted) |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 10 | (redacted) |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 11 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 12 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 13 | (redacted) |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 14 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 15 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 16 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 17 | (redacted) |  |  |  | D | D | D | D | D |  | C | C | C | C | D |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 18 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | D |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 19 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 20 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 21 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 22 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 23 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 24 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 25 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 26 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 27 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 28 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 29 | (redacted) |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B | B | B | B | B | B | B |
| (redacted) | 30 | (redacted) |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 31 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 32 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 33 | (redacted) |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 34 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 35 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 36 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 37 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 38 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 39 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 40 | (redacted) |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 41 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| (redacted) | 42 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | B | B | B | B | B | B | B | B | B | B | B | B |
| (redacted) | 43 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | B | B | B | B | B | B | B | B | B | B | B | B |
| (redacted) | 44 | (redacted) |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | B | B | B | B | B | B | B | B | B | B | B | B |
| (redacted) | 45 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 46 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 47 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 48 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 49 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 50 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 51 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 52 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 53 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 54 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 55 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 56 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 57 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 58 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 59 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 60 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 61 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 62 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 63 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 64 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 65 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 66 | (redacted) |  |  |  | C | C | C | C | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 67 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 68 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 69 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 70 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 71 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 72 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 73 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | D |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 74 | (redacted) |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 75 | (redacted) |  |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | C | C | C | C | VC | C | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| (redacted) | 76 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 77 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 78 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 79 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 80 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 81 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 82 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 83 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 84 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 85 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 86 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 87 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 88 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 89 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 90 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 91 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 92 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 93 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | D |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 94 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 95 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 96 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 97 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 98 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 99 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 100 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 101 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | D |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 102 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 103 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 104 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 105 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 106 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 107 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 108 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 109 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 110 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 111 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 112 | (redacted) |  |  |  | B | B | B | B | B |  | B | C | B | C | B |  | A | A | A | A | A |  | B | C | B | C | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 113 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 114 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 115 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 116 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 117 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 118 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 119 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 120 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 121 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 122 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 123 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 124 | (redacted) |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 125 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 126 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 127 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 128 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 129 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 130 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 131 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 132 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 133 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 134 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 135 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 136 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 137 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 138 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 139 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 140 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 141 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 142 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 143 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 144 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 145 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 146 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 147 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 148 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 149 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 150 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 151 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 152 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 153 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 154 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 155 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 156 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 157 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 158 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 159 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 160 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 161 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 162 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 163 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 164 | (redacted) |  |  |  | C | C | C | C | D |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 165 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 166 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 167 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 168 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 169 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 170 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 171 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 172 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 173 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 174 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 175 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 176 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 177 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 178 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 179 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 180 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 181 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 182 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 183 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 184 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 185 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 186 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 187 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 188 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 189 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 190 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 191 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 192 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 193 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 194 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 195 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 196 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 197 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 198 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 199 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 200 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 201 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 202 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 203 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 204 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 205 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 206 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 207 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 208 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 209 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 210 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 211 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 212 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 213 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 214 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 215 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 216 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 217 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 218 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 219 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 220 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 221 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 222 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 223 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 224 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 225 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 226 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 227 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 228 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 229 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 230 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 231 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 232 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 233 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 234 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 235 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 236 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 237 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 238 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 239 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 240 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 241 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 242 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 243 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 244 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 245 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 246 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 247 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 248 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 249 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 250 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 251 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 252 | (redacted) |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 253 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 254 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 255 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 256 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 257 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 258 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 259 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 260 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 261 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 262 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 263 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 264 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 265 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 266 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 267 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 268 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 269 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 270 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 271 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 272 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 273 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 274 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 275 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 276 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 277 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 278 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 279 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 280 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 281 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 282 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 283 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 284 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 285 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 286 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 287 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 288 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 289 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 290 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 291 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 292 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 293 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 294 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 295 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 296 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 297 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 298 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 299 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 300 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 301 | (redacted) |  |  |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 302 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 303 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 304 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 305 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 306 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 307 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 308 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 309 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 310 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 311 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 312 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 313 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 314 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 315 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 316 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 317 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 318 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 319 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 320 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 321 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 322 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 323 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 324 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 325 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 326 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 327 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 328 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 329 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 330 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 331 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 332 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 333 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 334 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 335 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 336 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 337 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 338 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 339 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 340 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 341 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 342 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 343 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 344 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 345 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 346 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 347 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 348 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 349 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 350 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 351 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 352 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 353 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 354 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 355 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 356 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 357 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 358 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 359 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 360 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 361 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 362 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 363 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 364 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 365 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 366 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 367 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 368 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 369 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 370 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 371 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 372 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 373 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 374 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 375 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 376 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 377 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 378 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 379 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 380 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 381 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 382 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 383 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 384 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 385 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 386 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 387 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 388 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 389 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 390 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 391 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 392 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 393 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 394 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 395 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 396 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 397 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 398 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 399 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 400 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 401 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 402 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 403 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 404 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 405 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 406 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 407 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 408 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 409 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 410 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 411 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 412 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 413 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 414 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 415 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 416 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 417 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 418 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 419 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 420 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 421 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 422 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 423 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 424 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 425 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 426 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 427 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 428 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 429 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 430 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 431 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 432 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 433 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 434 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 435 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 436 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 437 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 438 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 439 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 440 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 441 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 442 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 443 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 444 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 445 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 446 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 447 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 448 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 449 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 450 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 451 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 452 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 453 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 454 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 455 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 456 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 457 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 458 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 459 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 460 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 461 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 462 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 463 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 464 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 465 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 466 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 467 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 468 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 469 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 470 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 471 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 472 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 473 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 474 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 475 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 476 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 477 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 478 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 479 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 480 | (redacted) |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 481 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 482 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 483 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 484 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 485 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | D |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 486 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 487 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 488 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 489 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 490 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 491 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 492 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 493 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 494 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 495 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 496 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 497 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 498 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 499 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 500 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 501 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 502 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 503 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 504 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 505 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 506 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 507 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 508 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 509 | (redacted) |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 510 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 511 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 512 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 513 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 514 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 515 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 516 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 517 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 518 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 519 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 520 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 521 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 522 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 523 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 524 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 525 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 526 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 527 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 528 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 529 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 530 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 531 | (redacted) |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 532 | (redacted) |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 533 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 534 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 535 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 536 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 537 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 538 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 539 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 540 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 541 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 542 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 543 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 544 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 545 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 546 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 547 | (redacted) |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 548 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 549 | (redacted) |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 550 | (redacted) |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 551 | (redacted) |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 552 | (redacted) |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 553 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 554 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 555 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 556 | (redacted) |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 557 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 558 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 559 | (redacted) |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 560 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 561 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 562 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 563 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 564 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 565 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 566 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 567 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 568 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 569 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 570 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 571 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 572 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 573 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 574 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 575 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 576 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 577 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 578 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 579 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 580 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 581 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 582 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 583 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 584 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 585 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 586 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 587 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 588 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 589 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 590 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 591 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 592 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 593 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 594 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 595 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 596 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 597 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 598 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 599 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 600 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 601 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 602 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 603 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 604 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 605 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 606 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 607 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 608 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 609 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 610 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 611 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 612 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 613 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 614 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 615 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 616 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 617 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 618 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 619 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 620 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 621 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 622 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 623 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 624 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 625 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 626 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 627 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 628 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 629 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 630 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 631 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 632 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 633 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 634 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 635 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 636 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 637 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 638 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 639 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 640 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 641 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 642 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 643 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 644 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 645 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 646 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 647 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 648 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 649 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 650 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 651 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 652 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 653 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 654 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 655 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 656 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 657 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 658 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 659 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 660 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 661 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 662 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 663 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 664 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 665 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 666 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 667 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 668 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 669 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 670 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 671 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 672 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 673 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 674 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 675 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 676 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 677 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 678 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 679 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 680 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 681 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 682 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 683 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 684 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 685 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 686 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 687 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 688 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 689 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 690 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 691 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 692 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 693 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 694 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 695 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 696 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 697 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 698 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 699 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 700 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 701 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 702 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 703 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 704 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 705 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 706 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 707 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 708 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 709 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 710 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 711 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 712 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 713 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 714 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 715 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 716 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 717 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 718 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 719 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 720 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 721 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 722 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 723 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 724 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 725 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 726 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 727 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 728 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 729 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 730 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 731 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 732 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 733 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 734 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 735 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 736 | (redacted) |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 737 | (redacted) |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 738 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 739 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 740 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 741 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 742 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 743 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 744 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 745 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 746 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 747 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 748 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 749 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 750 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 751 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 752 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 753 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 754 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 755 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 756 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 757 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 758 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 759 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 760 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 761 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 762 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 763 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 764 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 765 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 766 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 767 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 768 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 769 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 770 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 771 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 772 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 773 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 774 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 775 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 776 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 777 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 778 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 779 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 780 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 781 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 782 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 783 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 784 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 785 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 786 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 787 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 788 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 789 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 790 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 791 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 792 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 793 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 794 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 795 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 796 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 797 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 798 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
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| (redacted) | 800 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 801 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 802 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 803 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 804 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 805 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 806 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 807 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 808 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 809 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 810 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 811 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 812 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 813 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 814 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 815 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 816 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 817 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 818 | (redacted) |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| (redacted) | 819 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 820 | (redacted) |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| (redacted) | 821 | (redacted) |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

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| ![](ex99-1sch7_001.jpg) | ![](ex99-1sch7_001.jpg) | ![](ex99-1sch7_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/14/2025 11:22:50 AM** | **Run Date - 10/14/2025 11:22:50 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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) | 1 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.840% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.840% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 2 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.090% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.090% |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 3 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.900% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.900% |  |  |  |  |  |  |  |  | No |  | 2.30 |
| (redacted) | 4 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.800% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.700% |  |  |  |  |  |  |  |  | Yes |  | 1.70 |
| (redacted) | 5 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.340% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.340% |  |  |  |  |  |  |  |  | Yes |  | 2.20 |
| (redacted) | 6 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  | 13.450% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.450% |  |  |  |  |  |  |  |  | No |  | 2.10 |
| (redacted) | 7 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 22.860% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.860% |  |  |  |  |  |  |  |  | Yes |  | 1.90 |
| (redacted) | 8 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.400% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.400% |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 9 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.920% |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.790% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.920% |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 10 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.220% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.220% |  |  |  |  |  |  |  |  | Yes |  | 3.60 |
| (redacted) | 11 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 12 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 13 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 14 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 15 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 16 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 17 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 18 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 19 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 20 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 21 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| (redacted) | 22 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 23 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 24 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 25 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.620% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 3.620% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 26 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 27 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.140% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 28 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 29 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.580% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 30 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 31 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| (redacted) | 32 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| (redacted) | 33 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 34 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 35 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -0.780% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.78% |  |  |  |  |  |
| (redacted) | 36 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| (redacted) | 37 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.900% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.900% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 38 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.000% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.000% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 39 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 98.090% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.090% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 40 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.160% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.160% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 41 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.080% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.080% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 42 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -19.420% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 43 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -48.210% |  | 0.14 |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -48.210% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 44 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.040% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -30.990% |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 45 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 46 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.740% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 47 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 48 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 49 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 50 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 51 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 52 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 53 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 54 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 55 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 56 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 57 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 58 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 59 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| (redacted) | 60 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 61 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 62 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 63 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 64 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 65 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 |
| (redacted) | 66 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 67 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.250% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 68 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 69 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 70 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 71 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 72 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| (redacted) | 73 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 74 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 75 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 76 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.140% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 77 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 78 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 79 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| (redacted) | 80 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| (redacted) | 81 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 82 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 83 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 84 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 85 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 86 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 87 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 88 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 89 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 90 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 91 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 92 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| (redacted) | 93 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 94 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 95 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 96 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 97 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 98 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 99 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 100 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 101 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 102 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 103 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 104 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 105 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 106 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 107 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 108 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 109 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 110 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| (redacted) | 111 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 112 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| (redacted) | 113 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| (redacted) | 114 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 115 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 116 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 117 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 118 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 119 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 120 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 121 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 122 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 123 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 124 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 125 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 126 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| (redacted) | 127 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| (redacted) | 128 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 129 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 130 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 131 | (redacted) |  |  |  |  |  |  |  | 5.980% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 132 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 133 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 134 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 135 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| (redacted) | 136 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 137 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| (redacted) | 138 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 139 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 140 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 141 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 142 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 143 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 144 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 145 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 146 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 147 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 148 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 149 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 150 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 151 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 152 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 153 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 154 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 155 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| (redacted) | 156 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 157 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| (redacted) | 158 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 159 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 160 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 161 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 162 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 163 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 164 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| (redacted) | 165 | (redacted) |  |  |  |  |  |  |  | 15.280% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| (redacted) | 166 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 167 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| (redacted) | 168 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 169 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| (redacted) | 170 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| (redacted) | 171 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| (redacted) | 172 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 173 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 174 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 175 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| (redacted) | 176 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| (redacted) | 177 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.490% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 178 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 179 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 180 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 181 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| (redacted) | 182 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 183 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| (redacted) | 184 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 185 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 186 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| (redacted) | 187 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 188 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| (redacted) | 189 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 190 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 |
| (redacted) | 191 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.70 |
| (redacted) | 192 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 193 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 194 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| (redacted) | 195 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 196 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| (redacted) | 197 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| (redacted) | 198 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 199 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 200 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 201 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 202 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 |
| (redacted) | 203 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| (redacted) | 204 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 205 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 206 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| (redacted) | 207 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 208 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 209 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 210 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 211 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| (redacted) | 212 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| (redacted) | 213 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 214 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 215 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 |
| (redacted) | 216 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| (redacted) | 217 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 218 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| (redacted) | 219 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 220 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 221 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 222 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 223 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 224 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 225 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 226 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| (redacted) | 227 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| (redacted) | 228 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| (redacted) | 229 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| (redacted) | 230 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 231 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 232 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| (redacted) | 233 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 234 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| (redacted) | 235 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 236 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 237 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 238 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| (redacted) | 239 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 240 | (redacted) |  |  |  |  |  |  |  | 5.790% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 5.790% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 241 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 242 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 243 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| (redacted) | 244 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| (redacted) | 245 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 246 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 247 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 248 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 249 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 250 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
| (redacted) | 251 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 252 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 253 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| (redacted) | 254 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| (redacted) | 255 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 256 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 257 | (redacted) |  |  |  |  |  |  |  | 3.530% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.80 |
| (redacted) | 258 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 259 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
| (redacted) | 260 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 261 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 262 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| (redacted) | 263 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| (redacted) | 264 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 265 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| (redacted) | 266 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 267 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 268 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| (redacted) | 269 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 270 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 271 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 272 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| (redacted) | 273 | (redacted) |  |  |  |  |  |  |  | 0.090% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 274 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| (redacted) | 275 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 276 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| (redacted) | 277 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 278 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| (redacted) | 279 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 280 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
| (redacted) | 281 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 |
| (redacted) | 282 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.90 |
| (redacted) | 283 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| (redacted) | 284 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 285 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| (redacted) | 286 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| (redacted) | 287 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 288 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 289 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 290 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| (redacted) | 291 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| (redacted) | 292 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| (redacted) | 293 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| (redacted) | 294 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.10 |
| (redacted) | 295 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| (redacted) | 296 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 297 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 298 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| (redacted) | 299 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| (redacted) | 300 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 301 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| (redacted) | 302 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| (redacted) | 303 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 304 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 305 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 306 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| (redacted) | 307 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 308 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| (redacted) | 309 | (redacted) |  |  |  |  |  |  |  | 6.550% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| (redacted) | 310 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| (redacted) | 311 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 312 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 313 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| (redacted) | 314 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| (redacted) | 315 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 316 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 317 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 318 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| (redacted) | 319 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| (redacted) | 320 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| (redacted) | 321 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| (redacted) | 322 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 323 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 324 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 325 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| (redacted) | 326 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 327 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| (redacted) | 328 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| (redacted) | 329 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| (redacted) | 330 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 331 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 332 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| (redacted) | 333 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 334 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 335 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| (redacted) | 336 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 5.00 |
| (redacted) | 337 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 338 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 339 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| (redacted) | 340 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.230% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| (redacted) | 341 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 342 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 343 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| (redacted) | 344 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 345 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 |
| (redacted) | 346 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| (redacted) | 347 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 348 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| (redacted) | 349 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 350 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 351 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.480% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| (redacted) | 352 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 353 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 354 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 355 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| (redacted) | 356 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 357 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 358 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 359 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 360 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 361 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| (redacted) | 362 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| (redacted) | 363 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| (redacted) | 364 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| (redacted) | 365 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 366 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 367 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| (redacted) | 368 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 369 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| (redacted) | 370 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 371 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 372 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 373 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 374 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 375 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.60 |
| (redacted) | 376 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 377 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| (redacted) | 378 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 379 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 380 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.120% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 381 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 382 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 383 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 384 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 385 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 386 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| (redacted) | 387 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 388 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 389 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 390 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 391 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 392 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| (redacted) | 393 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 394 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 395 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 396 | (redacted) |  |  |  |  |  |  |  | 2.710% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 397 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| (redacted) | 398 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 399 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| (redacted) | 400 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| (redacted) | 401 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| (redacted) | 402 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 403 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 404 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 405 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.380% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 406 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 407 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 408 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 409 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 410 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| (redacted) | 411 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 412 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 413 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| (redacted) | 414 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 415 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 416 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| (redacted) | 417 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 418 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 419 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 420 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 421 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| (redacted) | 422 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 423 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 424 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 425 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 426 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 427 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 428 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 429 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 430 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 431 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 432 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 433 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| (redacted) | 434 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 435 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 436 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.970% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.970% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 437 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 438 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 439 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 440 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 441 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| (redacted) | 442 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 443 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.180% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 444 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| (redacted) | 445 | (redacted) |  |  |  |  |  |  |  | 4.720% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 446 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.10 |
| (redacted) | 447 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| (redacted) | 448 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 449 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 450 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 451 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| (redacted) | 452 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 453 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 454 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 455 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 456 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.490% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 457 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| (redacted) | 458 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.100% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| (redacted) | 459 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| (redacted) | 460 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| (redacted) | 461 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 462 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 463 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| (redacted) | 464 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 465 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| (redacted) | 466 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| (redacted) | 467 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.910% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| (redacted) | 468 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 469 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 470 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 471 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 472 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 473 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 474 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 475 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| (redacted) | 476 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 477 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 478 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 479 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 480 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| (redacted) | 481 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 482 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 483 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| (redacted) | 484 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 485 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 486 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| (redacted) | 487 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| (redacted) | 488 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 489 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 490 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| (redacted) | 491 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| (redacted) | 492 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| (redacted) | 493 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 494 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| (redacted) | 495 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.610% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 496 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.720% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 497 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 498 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 499 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| (redacted) | 500 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 501 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 502 | (redacted) |  |  |  |  |  |  |  | 3.850% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| (redacted) | 503 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 504 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 505 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 506 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 507 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 508 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 509 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 510 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 511 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 512 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| (redacted) | 513 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 514 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| (redacted) | 515 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 516 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 517 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 |
| (redacted) | 518 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 519 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 520 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 521 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| (redacted) | 522 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 523 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 524 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 525 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| (redacted) | 526 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 527 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 528 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| (redacted) | 529 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| (redacted) | 530 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 531 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 532 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 533 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 534 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 535 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| (redacted) | 536 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 537 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 538 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 539 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| (redacted) | 540 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 541 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 542 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 543 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| (redacted) | 544 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 545 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 546 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 547 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 548 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 549 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| (redacted) | 550 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 62.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 551 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| (redacted) | 552 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| (redacted) | 553 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 554 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 555 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| (redacted) | 556 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 557 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| (redacted) | 558 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 559 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 560 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 561 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 562 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 999.00 |
| (redacted) | 563 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 564 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 565 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 566 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 567 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 568 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 569 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 570 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| (redacted) | 571 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| (redacted) | 572 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| (redacted) | 573 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| (redacted) | 574 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| (redacted) | 575 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 576 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| (redacted) | 577 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 578 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| (redacted) | 579 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| (redacted) | 580 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 581 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| (redacted) | 582 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.970% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 583 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 584 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.240% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 585 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 586 | (redacted) |  |  |  |  |  |  |  | 1.540% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.540% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 587 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 588 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 589 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.840% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| (redacted) | 590 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 591 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 592 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 593 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| (redacted) | 594 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| (redacted) | 595 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| (redacted) | 596 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 597 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 598 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 599 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| (redacted) | 600 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 601 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 602 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| (redacted) | 603 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 604 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 605 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 606 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| (redacted) | 607 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| (redacted) | 608 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| (redacted) | 609 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.260% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| (redacted) | 610 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| (redacted) | 611 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| (redacted) | 612 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 613 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 614 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 615 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 616 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 617 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 618 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| (redacted) | 619 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 620 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 621 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 622 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 623 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| (redacted) | 624 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 625 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 626 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| (redacted) | 627 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| (redacted) | 628 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 629 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 630 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 631 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 632 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 633 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 634 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| (redacted) | 635 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| (redacted) | 636 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| (redacted) | 637 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| (redacted) | 638 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 639 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 640 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 641 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 642 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 643 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 644 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 645 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| (redacted) | 646 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 647 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.660% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.660% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 648 | (redacted) |  |  |  |  |  |  |  | 14.500% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 649 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 650 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 651 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| (redacted) | 652 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| (redacted) | 653 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 654 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| (redacted) | 655 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.80 |
| (redacted) | 656 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 657 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| (redacted) | 658 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| (redacted) | 659 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| (redacted) | 660 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 661 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| (redacted) | 662 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 663 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.690% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| (redacted) | 664 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 665 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 666 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 667 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.710% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 668 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| (redacted) | 669 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 670 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 671 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 672 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| (redacted) | 673 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| (redacted) | 674 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| (redacted) | 675 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| (redacted) | 676 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 677 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 678 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 679 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| (redacted) | 680 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 681 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| (redacted) | 682 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 683 | (redacted) |  |  |  |  |  |  |  | 26.250% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| (redacted) | 684 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 685 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 686 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| (redacted) | 687 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 688 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 689 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 690 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 691 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 692 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 693 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| (redacted) | 694 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| (redacted) | 695 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 696 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.270% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 697 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| (redacted) | 698 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 699 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 700 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 701 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.710% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| (redacted) | 702 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| (redacted) | 703 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 704 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 705 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 706 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 707 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 708 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 709 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 710 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.580% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 711 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 712 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 713 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 714 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 715 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| (redacted) | 716 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 717 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 718 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 719 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 720 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| (redacted) | 721 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 722 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 723 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| (redacted) | 724 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 725 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 726 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 727 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 728 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| (redacted) | 729 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| (redacted) | 730 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 731 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 732 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| (redacted) | 733 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 734 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| (redacted) | 735 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| (redacted) | 736 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| (redacted) | 737 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 738 | (redacted) |  |  |  |  |  |  |  | 12.440% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 739 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| (redacted) | 740 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 741 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.860% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| (redacted) | 742 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| (redacted) | 743 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 744 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 745 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| (redacted) | 746 | (redacted) |  |  |  |  |  |  |  | 7.140% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| (redacted) | 747 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.060% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| (redacted) | 748 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 749 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| (redacted) | 750 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| (redacted) | 751 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 752 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 753 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 754 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 755 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.590% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 756 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 757 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 758 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| (redacted) | 759 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 760 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 761 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.90 |
| (redacted) | 762 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| (redacted) | 763 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 764 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 765 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 766 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| (redacted) | 767 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 768 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 769 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 770 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 771 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 772 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 773 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 3.750% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| (redacted) | 774 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 775 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.420% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 776 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| (redacted) | 777 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 778 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 779 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 780 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| (redacted) | 781 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 782 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.090% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.70 |
| (redacted) | 783 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| (redacted) | 784 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 785 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 786 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 787 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 788 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.100% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 5.100% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| (redacted) | 789 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| (redacted) | 790 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| (redacted) | 791 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 792 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| (redacted) | 793 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| (redacted) | 794 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.50 |
| (redacted) | 795 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| (redacted) | 796 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.860% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 797 | (redacted) |  |  |  |  |  |  |  | 5.950% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 798 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 799 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 800 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| (redacted) | 801 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 802 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| (redacted) | 803 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 804 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 | 1.10 |
| (redacted) | 805 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 806 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 807 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| (redacted) | 808 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 809 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 810 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 811 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| (redacted) | 812 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| (redacted) | 813 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 814 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 815 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| (redacted) | 816 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 817 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 818 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 819 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| (redacted) | 820 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 821 | (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch5_001.jpg) | ![](ex99-1sch5_001.jpg) | ![](ex99-1sch5_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Multi Property Report** | **Multi Property Report** | **Multi Property Report** | **Multi Property Report** | **Multi Property Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Collateral ID** | **Loan Flag** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Rate Type Code** | **Loan Product** | **Lien Type** | **Original Rate** | **Qualifying Rate** | **Original Monthly PI Payment** | **Borrower FICO** | **Coborrower FICO** | **FICO Date** | **Appraisal Date** | **Owner Occupancy** | **Property Type** | **Appraisal Value** | **Purchase Price** | **Property Value for LTV** | **Originator Original LTV** | **Combined LTV** | **Debt to Income Ratio** | **ARM Index** | **Interest Only Period** | **Original Maturity Term** | **Original Amortization Term** | **Prepayment Penalty Months** | **Prepay Penalty Type** | **Note Date** | **First Payment Date** | **Maturity Date** | **Property Units** | **Loan Purpose** | **Foreign National Flag** | **Documentation Type** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Mortgage Type** | **ARM Margin** | **Minimum Rate Life Floor** | **Maximum Rate** | **Initial Periodic Cap** | **Life Rate Cap** | **Subsequent Periodic Cap** | **Payment Adjustment Frequency** | **Rate Adjustment Frequency** | **Property Acquisition Date** | **Property Acquisition Price** | **Borrower ID** | **Cross Default Loan Count** | **Rental Purpose** | **Rent** | **Rent in Place from Lease** | **Type of Rent to Qualify** | **Rented Flag** | **Originator Original DSCR** | **Property Improvement Flag** | **Personal Guarantor** | **Annual HOA** | **Property Condition** | **First Time Investor** | **Reserve Amount** | **Origination Channel** | **Property Exception Grade** | **After Repair Value** | **After Repair Value Percent** | **Loan to Cost** | **Release Provisions** | **Release Amount** | **Property Loan Amount** | **Year Built** | **Square Foot** | **Number of Bedrooms** | **Number of Bathrooms** | **Section 8 Housing Program** |
| 222978459 | 31 | XX |  |  | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 | 5.500% |  |  |  | 756 |  |  | Investment |  |  |  |  | 60.000% | 60.000% |  |  |  | 360 | 360 | 60 | Original Balance |  |  |  |  |  | No | DSCR | $1316.35 |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 4 |  | $4965.00 |  |  |  | 1.36 |  | XXXX |  |  | N | XXXX | Retail | 1 |  |  | 0.000% |  |  |  |  |  |  |  |  |
| 222978459 | 31 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $272.83 | $222.19 | $50.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1300.00 | $1350.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978459 | 31 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $441.64 | $383.73 | $57.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1400.00 | $1455.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978459 | 31 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $264.31 | $217.01 | $47.30 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1185.00 | $1185.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978459 | 31 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $337.57 | $282.74 | $54.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1080.00 | $1080.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978460 | 32 | XX |  |  | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 | 5.500% |  |  |  | 756 |  |  | Investment |  |  |  |  | 60.000% | 60.000% |  |  |  | 360 | 360 | 60 | Prepaid Balance |  |  |  |  |  | No | DSCR | $975.49 |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 3 |  | $4095.00 |  |  |  | 1.52 |  | XXXX |  |  | N | XXXX | Retail | 1 |  |  | 0.000% |  |  |  |  |  |  |  |  |
| 222978460 | 32 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $274.28 | $232.72 | $41.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1245.00 | $1245.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978460 | 32 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $322.21 | $275.16 | $47.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1150.00 | $1215.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978460 | 32 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $379.00 | $328.58 | $50.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1700.00 | $1700.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978494 | 35 | XX |  |  | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 | 6.750% |  |  |  | 762 |  |  | Investment |  |  |  |  | 69.877% | 69.877% |  |  |  | 360 | 360 | 60 | Prepaid Balance |  |  |  |  |  | No | DSCR | $1230.71 |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 6 |  | $6900.00 |  |  |  | 1.24 |  | XXXX |  |  | N | XXXX | Retail | 1 |  |  | 0.000% |  |  |  |  |  |  |  |  |
| 222978494 | 35 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $252.48 | $192.90 | $59.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1470.00 | $1470.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978494 | 35 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | PUD |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $118.00 | $51.75 | $66.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1100.00 | $1100.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978494 | 35 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $290.38 | $209.38 | $81.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1275.00 |  | Average Lease Amount | N |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978494 | 35 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $241.81 | $182.14 | $59.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1250.00 | $1250.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978494 | 35 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $184.58 | $136.25 | $48.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1075.00 | $1075.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | Yes |
| 222978494 | 35 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $143.46 | $83.88 | $59.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $730.00 |  | Average Lease Amount | N |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 | 6.500% |  |  |  | 724 |  |  | Investment |  |  |  |  | 54.945% | 54.945% |  |  |  | 360 | 360 | 36 | Prepaid Balance |  |  |  |  |  | No | DSCR | $2165.44 |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 8 |  | $9075.00 |  |  |  | 1.70 |  | XXXX |  |  | N | XXXX | Retail | 1 |  |  | 0.000% |  |  |  |  |  |  |  |  |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $219.54 | $129.62 | $77.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1100.00 | $1100.00 | Lease Income | Y |  |  |  | $150.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $323.99 | $229.07 | $77.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1175.00 |  | Average Lease Amount | N |  |  |  | $210.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $208.13 | $130.71 | $77.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1000.00 |  | Average Lease Amount | N |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $315.35 | $189.76 | $93.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1000.00 | $1000.00 | Lease Income | Y |  |  |  | $380.04 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $299.59 | $185.67 | $113.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1150.00 | $1150.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $213.35 | $164.52 | $48.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1100.00 | $1100.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $291.56 | $198.72 | $77.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1300.00 |  | Average Lease Amount | N |  |  |  | $185.04 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | Yes |
| 222978497 | 36 | XX |  |  | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | Single Family Detached |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Refinance |  |  | $293.93 | $204.51 | $77.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1250.00 | $1250.00 | Lease Income | Y |  |  |  | $144.00 |  |  |  |  |  |  |  | 0.000% |  |  | XXXX | XXXX |  | XXXX | XXXX | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch6_001.jpg) | ![](ex99-1sch6_001.jpg) | ![](ex99-1sch6_001.jpg) | ![](ex99-1sch6_001.jpg) | ![](ex99-1sch6_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Securitization Multi Property Units Extract** | **Securitization Multi Property Units Extract** | **Securitization Multi Property Units Extract** | **Securitization Multi Property Units Extract** | **Securitization Multi Property Units Extract** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan Number** | **Collateral ID** | **Property Num** | **Loan Status** | **Loan Status Date** | **Originator** | **Unit Num** | **Property Apt** | **Property Address** | **City** | **State** | **Zip Code** | **Is Lease In Place** | **Lease Start Date** | **Lease End Date** | **Original Lease Term** | **Lease Remaining Months** | **Rental Purpose** | **Gross Monthly Rental Income** | **Appraisal Average Lease Amount** | **Unit Rental Amount** |
| (redacted) | XX | (redacted) |  |  | 1 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1350.00 | $1300.00 | $1300.00 |
| (redacted) | XX | (redacted) |  |  | 1 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 03/01/2018 | 03/30/2020 | 24 | 5 |  | $1350.00 | $1300.00 |  |
| (redacted) | XX | (redacted) |  | XX | 2 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1455.00 | $1400.00 | $1400.00 |
| (redacted) | XX | (redacted) |  |  | 2 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 03/19/2018 | 06/30/2019 | 15 |  |  | $1455.00 | $1400.00 |  |
| (redacted) | XX | (redacted) |  |  | 3 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 02/26/2019 | 04/30/2020 | 14 | 6 |  | $1185.00 | $1340.00 |  |
| (redacted) | XX | (redacted) |  | XX | 3 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1185.00 | $1340.00 | $1185.00 |
| (redacted) | XX | (redacted) |  |  | 4 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 09/01/2019 | 05/31/2020 | 9 | 7 |  | $1080.00 | $1400.00 |  |
| (redacted) | XX | (redacted) |  | XX | 4 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1080.00 | $1400.00 | $1080.00 |
| (redacted) | XX | (redacted) |  | XX | 1 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1245.00 | $1300.00 | $1245.00 |
| (redacted) | XX | (redacted) |  |  | 1 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 08/01/2019 | 04/30/2021 | 21 | 18 |  | $1245.00 | $1300.00 | $1245.00 |
| (redacted) | XX | (redacted) |  | XX | 2 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1215.00 | $1150.00 | $1150.00 |
| (redacted) | XX | (redacted) |  |  | 2 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 08/01/2018 | 08/31/2019 | 13 |  |  | $1215.00 | $1150.00 | $1150.00 |
| (redacted) | XX | (redacted) |  | XX | 3 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $1700.00 | $1800.00 | $1700.00 |
| (redacted) | XX | (redacted) |  |  | 3 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes | 11/01/2017 | 03/31/2019 | 17 |  |  | $1700.00 | $1800.00 | $1700.00 |
| (redacted) | XX | (redacted) |  |  | 1 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1470.00 | $1470.00 |  |
| (redacted) | XX | (redacted) |  | XX | 1 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 8 |  | $1470.00 | $1470.00 | $1470.00 |
| (redacted) | XX | (redacted) |  |  | 2 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1100.00 | $1100.00 |  |
| (redacted) | XX | (redacted) |  | XX | 2 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 5 |  | $1100.00 | $1100.00 | $1100.00 |
| (redacted) | XX | (redacted) |  |  | 3 | Loan Review Complete |  |  | 1 |  |  |  |  |  | No |  |  |  |  |  |  | $1275.00 |  |
| (redacted) | XX | (redacted) |  | XX | 3 | Loan Review Complete |  |  |  |  |  |  |  |  | No |  |  |  | 0 |  |  | $1275.00 | $1275.00 |
| (redacted) | XX | (redacted) |  |  | 4 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1250.00 | $1255.00 |  |
| (redacted) | XX | (redacted) |  | XX | 4 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 10 |  | $1250.00 | $1255.00 | $1250.00 |
| (redacted) | XX | (redacted) |  |  | 5 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1075.00 | $1250.00 |  |
| (redacted) | XX | (redacted) |  | XX | 5 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 10 |  | $1075.00 | $1250.00 | $1075.00 |
| (redacted) | XX | (redacted) |  | XX | 6 | Loan Review Complete |  |  |  |  |  |  |  |  | No |  |  |  | 0 |  |  | $730.00 | $730.00 |
| (redacted) | XX | (redacted) |  |  | 6 | Loan Review Complete |  |  | 1 |  |  |  |  |  | No |  |  |  |  |  |  | $730.00 |  |
| (redacted) | XX | (redacted) |  | XX | 1 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 3 |  | $1100.00 | $1100.00 | $1100.00 |
| (redacted) | XX | (redacted) |  |  | 1 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1100.00 | $1100.00 |  |
| (redacted) | XX | (redacted) |  | XX | 2 | Loan Review Complete |  |  |  |  |  |  |  |  | No |  |  |  | 1 |  |  | $1175.00 | $1175.00 |
| (redacted) | XX | (redacted) |  |  | 2 | Loan Review Complete |  |  | 1 |  |  |  |  |  | No |  |  |  |  |  |  | $1175.00 |  |
| (redacted) | XX | (redacted) |  | XX | 3 | Loan Review Complete |  |  |  |  |  |  |  |  | No |  |  |  | 1 |  |  | $1000.00 | $1000.00 |
| (redacted) | XX | (redacted) |  |  | 3 | Loan Review Complete |  |  | 1 |  |  |  |  |  | No |  |  |  |  |  |  | $1000.00 |  |
| (redacted) | XX | (redacted) |  | XX | 4 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 24 |  | $1000.00 | $1050.00 | $1000.00 |
| (redacted) | XX | (redacted) |  |  | 4 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1000.00 | $1050.00 |  |
| (redacted) | XX | (redacted) |  | XX | 5 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 2 |  | $1150.00 | $1175.00 | $1150.00 |
| (redacted) | XX | (redacted) |  |  | 5 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1150.00 | $1175.00 |  |
| (redacted) | XX | (redacted) |  | XX | 6 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 4 |  | $1100.00 | $1150.00 | $1100.00 |
| (redacted) | XX | (redacted) |  |  | 6 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1100.00 | $1150.00 |  |
| (redacted) | XX | (redacted) |  | XX | 7 | Loan Review Complete |  |  |  |  |  |  |  |  | No |  |  |  | 1 |  |  | $1300.00 | $1300.00 |
| (redacted) | XX | (redacted) |  |  | 7 | Loan Review Complete |  |  | 1 |  |  |  |  |  | No |  |  |  |  |  |  | $1300.00 |  |
| (redacted) | XX | (redacted) |  | XX | 8 | Loan Review Complete |  |  |  |  |  |  |  |  | Yes |  |  |  | 3 |  | $1250.00 | $1400.00 | $1250.00 |
| (redacted) | XX | (redacted) |  |  | 8 | Loan Review Complete |  |  | 1 |  |  |  |  |  | Yes |  |  |  |  |  | $1250.00 | $1400.00 |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** | **Run Date - 10/14/2025 11:23:01 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **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** | **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** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020039-100112 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020039-100113 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020039-100114 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020039-100111 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020041-100115 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020041-100116 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000020041-100117 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012142-100121 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012142-100123 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | -8.02% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012142-100122 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012142-100120 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012142-100119 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012142-100118 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100124 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100125 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100126 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100127 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100128 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100129 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100130 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | XX | (redacted) |  |  |  |  |  |  | 0.000% | 1000012023-100131 | (redacted) | (redacted) | (redacted) | (redacted) |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**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 13 newly originated residential mortgage loans, in connection with the securitization identified as BARC 2025-NQM6 (the "Securitization"). The Review was conducted from March 2024 through July 2025 on mortgage loans originated between March 2024 and July 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 (13 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and four hundred ten (10) 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 thirteen (13) mortgage loans reviewed, zero (0) unique mortgage loans (0.00% by loan count) had a total of zero (0) different tape discrepancies across zero (0) 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;**Grand Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 7 | $5208500.00 | 53.85% |
| Event Grade B | 6 | $2442100.00 | 46.15% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 13 | $7650600.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 53.85% |
| Event Grade B | 6 | 46.15% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 13 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 13 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 13 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 13 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 13 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Lease Agreements Missing | &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;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***13*** |

---

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***14*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***13*** |

---

**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**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Barclays Loan Number** | **XXX Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 700000002 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Compliant | 07/03/2025 | Borrower has stable job time - Resolving per XXX. \| Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. \| Qualifying DTI below max allowed. - Resolving per XXX. A |
| 700000002 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements A VOR from a private party is in the file to verify housing payments. A VOR from a private party is not permitted for a loan to value of XXX% There is a Lender exception with compensating factors of large reserves and low DTI. GL XX/XX/XXXX |  |  | Housing History Does Not Meet Guideline Requirements A VOR from a private party is in the file to verify housing payments. A VOR from a private party is not permitted for a loan to value of XXX% There is a Lender exception with compensating factors of large reserves and low DTI. GL XX/XX/XXXX | 07/03/2025 | Borrower has stable job time - Resolving per XXX. \| Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. \| Qualifying DTI below max allowed. - Resolving per XXX. A |
| 700000002 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/03/2025 | Borrower has stable job time - Resolving per XXX. \| Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. \| Qualifying DTI below max allowed. - Resolving per XXX. A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan application shows properties XXX XXX and XXX XXX have new mortgages with XXX. Provide the mortgage Statements or HUD to verify the mortgage payments. GL's XX/XX/XXXX XXX is owned by the entity. Provide documentation to verify the tax and insurance. GL XX/XX/XXXX | Uploading updated 1003 and ULAW with XXX XXX fully excluded since at the time of funding this loan, this property was (and still is) not owned by borrower.; This other purchase loan, #XXX, is still in process and has not yet closed. Uploading Note and FSS for #XXX showing the PITI. Any entity owned properties are not considered in the DTI, the income qualification is only for the guarantor and liabilities in his personal name. | 07/17/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; ; Unable to consider rental income for XXX XXX until loan #XXX is closed and/or the current lease agreement and proof of XXX months rent is provided as required per GL's XXX. DTI increased to XXX% without the required documentation to allow rental income for XXX XXX and adding credit report liabilities. | 07/22/2025 | Borrower has stable job time - Resolved D A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Provide the HUD from XXX XXX #XXX to show debts paid; XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX XXX The Underwriting Loan Approval Stated debts omitted beacause they were paid off with loan #XXX. | XX/XX/XXXX - Adding back debts to be paid off, DTI still within parameters. Uploading updated ULAW | 07/15/2025 | Property Title Issue Resolved | 07/22/2025 | Borrower has stable job time - Resolved D C A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Uploading LLC transfer doc from XX/XX/XXXX showing XXX% ownership by borrower and updated 1003 and 12MBS calculation, DTI within parameters. | 07/17/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Unable to consider rental income for XXX XXX until loan #XXX is closed and/or the current lease agreement and proof of XXX months rent is provided as required per GL's XXX. DTI increased to XXX% without the required documentation to allow rental income on XXX XXXX and adding credit report liabilities. | 07/22/2025 | Borrower has stable job time - Resolved D C A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Operating Agreement for XXX shows the borrower is XXX% owner. The Lender calculated the income showing the borrower as XXX% Owner. Provide the amended Operating Agreement showing the borrower is XXX% owner of XXX L XX/XX/XXXX | Uploading LLC LOE and additional transfer info executed by both parties.; Uploading LLC transfer doc from XX/XX/XXXX showing XXX% ownership by borrower and updated 1003 and 12MBS calculation, DTI within parameters.; XX/XX/XXXX - Uploading XXX updated operating agreement showing borrower is XXX% owner. | 07/22/2025 | Income and Employment Meet Guidelines; The uploaded LLC Membership Interest Transfer Agreement Conflicts with the Operating Agreement previously uploaded dated XX/XX/XXXX showing the Borrower with XXX% "The Managing Members and managers shall be XXX as to XXX% And also Conflicts with the Operating Agreement in the loan file signed XX/XX/XXXX and XX/XX/XXXX that shows the borrower owning XXX% Please provide a more recent business entity document showing the XXX% owner/non-borrower signing his ownership to the borrower.; ; The Operating Agreement in the loan file is signed XX/XX/XXXX by the XXX% owner/non-borrower, which is after the XX/XX/XXXX signature date reflected on the Operation agreement uploaded. Please provide a more recent business entity document showing the XXX% owner/non-borrower signing his ownership to the borrower. | 07/22/2025 | Borrower has stable job time - Resolved D C A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE1345 | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing The Loan Application shows XXX XXX with monthly rent XXX Provide the current lease agreement and proof of XXX months rent. GL's XX/XX/XXXX | Uploading updated 1003 and ULAW with XXX XXX fully excluded since at the time of funding this loan, this property was (and still is) not owned by borrower.; This other purchase loan, #XXX, is still in process and has not yet closed. | 07/17/2025 | Borrower 1 Lease Agreements Provided; Document Uploaded. ; Unable to consider rental income for XXX XXX until loan #XXX is closed and/or the current lease agreement and proof of XXX months rent is provided as required per GL's XXX. DTI increased to XXX% without the required documentation to allow rental income for XXX Beach Ln and adding credit report liabilities. | 07/22/2025 | Borrower has stable job time - Resolved D A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Acknowledged | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Provide evidence of XXX months rent loss coverage. | XX/XX/XXXX - Uploading updated ULAW with comp factors | 07/15/2025 | Lender exception approval provided - Ok per XXX to waive rent loss coverage, comp factors, borr S/E XXX years, subject in C3 condition with recent updating. | 07/16/2025 | Borrower has stable job time - Resolved D A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | Provide An LOE from the borrower explaining their business name, what their business does, the number of employees, how it is set up. GL's XX/XX/XXXX | Uploading S/E LOE. | 07/15/2025 | SE LOE provided. | 07/16/2025 | Borrower has stable job time - Resolved D A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/08/2025 | Borrower has stable job time - Resolved D A |
| 700000004 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/08/2025 | Borrower has stable job time - Resolved D A |
| 700000006 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A |
| 700000006 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A |
| 700000006 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Resolving per XXX. A |
| 700000008 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant B A |
| 700000008 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant B A |
| 700000008 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% The Maximum CLTV for a No Ratio DSCR is XXX% Lender exception with compensating factors XXX year pre-payment penalty and XXX fico. |  |  | Audited ##XX## exceeds Guideline ##KY## The Maximum CLTV for a No Ratio DSCR is XXX% Lender exception with compensating factors XXX year pre-payment penalty and XXX fico. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant B A |
| 700000008 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% The Maximum HLTV for a No Ratio DSCR is XXX% Lender exception with compensating factors XXX year pre-payment penalty and XXX fico. |  |  | Audited ##XXX## exceeds Guideline ##KY## The Maximum CLTV for a No Ratio DSCR is XXX% Lender exception with compensating factors XXX year pre-payment penalty and XXX fico. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant B A |
| 700000008 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% The Maximum LTV for a No Ratio DSCR is XXX% Lender exception with compensating factors XXX year pre-payment penalty and XXX fico. |  |  | Audited ##XXX## exceeds Guideline ##KY## The Maximum CLTV for a No Ratio DSCR is XXX% Lender exception with compensating factors XXX year pre-payment penalty and XXX fico. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant B A |
| 700000010 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - A |
| 700000010 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - A |
| 700000010 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - A |
| 700000012 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 07/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant A |
| 700000012 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 07/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant A |
| 700000012 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 07/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Compliant A |
| 700000016 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/29/2024 | 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 XXX XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrow and met appraisal requirements |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 03/31/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 700000016 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/29/2024 | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX XXX Ratesheet & Matrix XXX reflects a minimum FICO of XXX for rural properties. |  |  | An approved exception is in file to allow FICO of XXX using Alt docs and rural, with XX/XX/XXXX points to lender. | 03/29/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 700000016 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/29/2024 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | A VOM from a private party is in file for the subject. Guideline section XX/XX/XXXX Private Party/Non-Institutional Lender States unless serviced by an identifiable third party (determined in XXX's sole discretion), a mortgage rating for a lien owned by private party or non-institutional lender will require a mortgage history to be documented with twelve months cancelled checks (front and back) or, if paid by cashiers or postal checks copies of the past twelve months. |  |  | An approved exception is in file allowing for XXX month private VOM and maintain XX/XX/XXXX rate due to high cost test. | 03/29/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 700000016 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/29/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 03/29/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| 700000020 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/31/2024 | 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 XXX XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrow and met appraisal requirements |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/01/2024 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 700000020 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2024 | Resolved | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/01/2024 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 700000020 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/01/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/01/2024 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| 700000022 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2024 | 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 XXX XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with established escrow and met appraisal requirements |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/03/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000022 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2024 | Resolved | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/03/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000022 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/03/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000018 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2024 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/04/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 700000018 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2024 | Resolved | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 04/04/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 700000018 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/04/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/04/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| 700000014 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2024 | Acknowledged | 896 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | LTV of 73.92% is greater than max guideline LTV of 70% (max for rate-term refi of Investment property with FICO less than XXX) based on loan amount of XXX and value of XXX |  |  | Lender Approved Exception for max XXX% LTV.; Stipulations: no cash in hand and DSCR to stay above XXX:XXX, despite being bank Statement loan. | 04/10/2024 | 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 XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000014 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2024 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 04/10/2024 | 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 XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000014 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/10/2024 | 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 XX/XX/XXXX months or XXX are greater than the Guideline Minimum or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000024 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2024 | Resolved | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_XXX_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Documentation Required: Missing Initial CD that was provided within XXX days of closing on XX/XX/XXXX |  |  | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; initial CD provided; Documentation Required:; Missing Initial CD that was provided within XXX days of closing on XX/XX/XXXX | 04/17/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000024 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2024 | 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 XXX XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac XXX and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML with estabished escrows and met appraisal requirements. Downgraded |  |  | Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.; HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Cleared.; HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 04/17/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000024 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2024 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Guideline section XX/XX/XXXX Verification of Rent Payments States a VOR can be accepted from a private party at LTVS of XXX% or less. Documentation in file is only XXX months cancelled checks for the property at XXX XXX and no documentation received for XXX XXXr. An approved exception is in file to accept the private VOR and cancelled checks received. |  |  | XX/XX/XXXX - Ok per XXXX to take VOR as-is per Sec XXX comp factors, XXX FICO, low DTI, S/E for XXX years, subject in C3 condition. | 04/16/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000024 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2024 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 04/09/2024 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX/XX/XXXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. A |
| 700000026 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Non-borrowing spouse did not sign the Deed of Trust. Required per lender final approval. |  |  | Property Title Issue Resolved; Documentation provided is sufficient. Exception resolved. | 07/14/2025 | 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 |
| 700000026 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/17/2025 | 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 |
| 700000026 | XXX | XXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/17/2025 | 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 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Barlcays Loan Number** | **Acra Number** | **Seller Loan Number** | **Original Loan Amount** |
| 700000002 | XXX | XXX | $XXXXXX C A B |
| 700000004 | XXX | XXX | $XXXXXX D A B |
| 700000006 | XXX | XXX | $XXXXXX A |
| 700000008 | XXX | XXX | $XXXXXX C A B |
| 700000010 | XXX | XXX | $XXXXXX A |
| 700000012 | XXX | XXX | $XXXXXX A |
| 700000014 | XXX | XXX | $XXXXXX C A B |
| 700000016 | XXX | XXX | $XXXXXX C A B |
| 700000018 | XXX | XXX | $XXXXXX A |
| 700000020 | XXX | XXX | $XXXXXX A C |
| 700000022 | XXX | XXX | $XXXXXX A C |
| 700000024 | XXX | XXX | $XXXXXX C A B |
| 700000026 | XXX | XXX | $XXXXXX C A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Barclays Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 700000002 | XXX | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000004 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.52 | 72.52 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 700000006 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 75.0 |  |  |  |  | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000008 | XXX | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 700000010 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 700000012 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 |  |
| 700000014 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.9 | 73.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 700000016 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 700000018 | XXX | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0196 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |  |
| 700000020 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1004C | $XXX | 55.8 | 55.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000022 | XXX | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700000024 | XXX | XXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 700000026 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0196 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0196 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**NARRATIVE**

**BARC 2025-NQM6**

**By Canopy Financial Technology Partners LLC on October 15, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

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

![](ex99-3_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 July 2022 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 $1,237,500.

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

---

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

![](ex99-3_001.jpg)

---

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

---

**Credit Underwriting**

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

**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

![](ex99-3_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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· 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**

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**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.

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

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

**Compliance Review**

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

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

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

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

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

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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.

&nbsp;&nbsp;&nbsp;&nbsp;III. Compliance Testing Elements

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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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**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; 2- 32-455; 2-92-325; 4-4-155; 8-4-325.

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

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

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

· 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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· 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.**

**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.

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

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp; The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and<br> 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<br> guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

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| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp; The loan meets the published guidelines without any exceptions. The employment, income,<br> assets, and occupancy are supported and justifiable. The borrower's willingness and ability to<br> 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,<br> 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,<br> 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<br> 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<br> 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<br> 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<br> approved forms. |

---

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

![](ex99-3_001.jpg)

---

| | |
|:---|:---|
| &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<br> 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<br> exceeding published guidelines. The property is in below "average" condition or the property is<br> not complete or requires significant repairs. The appraisal was not performed on an "as is" basis.<br> 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) has an overall grade of "B" and 0.00% (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

![](ex99-3_001.jpg)

**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;$1237500.00 |
| &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;**$1237500.00** |

---

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

![](ex99-3_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;$1237500.00 |
| &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;**$1237500.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &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<br> 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;$1237500.00 |
| &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;**$1237500.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1237500.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &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;**$1237500.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &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;$1237500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1237500.00** |

---

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

![](ex99-3_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 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 132661 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No | No | No | No |  | Yes | No | No | No |  |  | 0.0776 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No | No | Yes | Present |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 132661 |  | D A | Closed | FPRO1244 | 2022-07-19 20:11 | 2022-07-22 09:52 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $xxx or 0 % variance .finding resolved - Due Diligence Vendor-07/22/2022 <br> Ready for Review-xxx valuation process - to order product. - Seller-07/21/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-07/20/2022 | Ready for Review-xxx valuation process - to order product. - Seller-07/21/2022 | Resolved-desk review provided with value $xxx or 0 % variance .finding resolved - Due Diligence Vendor-07/22/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase NA | N/A | N/A | xxx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 132661 |  |  | xxx A D |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 132661 |  |  | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 | xxx | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**October 15, 2025<br> Due Diligence Narrative Report**<br>

![](ex99-4_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;&nbsp;Review scope | 3 |
| &nbsp;&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;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&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** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 1 October 15, 2025

![](ex99-4_002.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-4_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-4_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 48 residential loans.

Sutton Fuding LLC subsequently purchased these loans via reliance letter and selected them for the BARC 2025-NQM6 transaction. The loans referenced in this narrative report were reviewed on a flow basis from 06/2025 through 07/2025. 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 | 47 | 97.92% |
| &nbsp;&nbsp;Retail | 1 | 2.08% |
| &nbsp;&nbsp;**Total** | 48 | **100.00%** |

---

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 2 October 15, 2025

![](ex99-4_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;&nbsp;&nbsp;REVIEW SCOPE | &nbsp;&nbsp;&nbsp;&nbsp;# OF FILES REVIEWED |
| &nbsp;&nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;&nbsp;48 |
| &nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;&nbsp;48 |
| &nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;&nbsp;29 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;&nbsp;&nbsp;48 |

---

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 2025-NQM6 Due Diligence Narrative Report Page \| 3 October 15, 2025

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

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

- 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;&nbsp;&nbsp;&nbsp;&nbsp;· Value Supported Analysis (48 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;· 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;· Desk Review

For further detail please refer to the BARC 2025-NQM6 Valuations Summary Report.

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 4 October 15, 2025

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&nbsp;&nbsp;&nbsp;&nbsp;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;&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 2025-NQM6 Due Diligence Narrative Report Page \| 5 October 15, 2025

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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;· Cook County High Cost Ordinance

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

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 2025-NQM6 Due Diligence Narrative Report Page \| 6 October 15, 2025

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

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

&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;· 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 48 loans reviewed. The population was purchased on reliance letter.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 2 | 95.83% |
| &nbsp;&nbsp;Loan Purpose | 1 | 97.92% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 3 | 93.75% |

---

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 7 October 15, 2025

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**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** | 24 |  | 3 | 4 | **31** |
| **B** |  | 9 | 5 | 3 | **17** |
| **C** |  |  |  |  | **0** |
| **D** |  |  |  |  | **0** |
| **Total** | **24** | **9** | **8** | **7** | **48** |

---

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** | 25 |  | 4 | 3 | **32** |
| **Final** | **B** |  | 11 | 2 | 3 | **16** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **25** | **11** | **6** | **6** | **48** |

---

**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** | 46 |  |  | 1 | **47** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **46** | **0** | **1** | **1** | **48** |

---

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 8 October 15, 2025

![](ex99-4_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** | 27 |  | 2 |  | **29** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **27** | **0** | **2** | **0** | **29** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (19 loans 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 2025-NQM6 Due Diligence Narrative Report Page \| 9 October 15, 2025

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**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;· 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;· 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;· Tax returns

&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;· Paystubs

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 10 October 15, 2025

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&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;· 1099

&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;· Bank statements

&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;· Award letters

&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;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;· Verification of deposits (VOD)

&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;· 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;· Gift funds

&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;· 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;· Other documentation in loan file

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

&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;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;· Fee simple

&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;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

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 11 October 15, 2025

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&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;· Correct borrower

&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;· Correct lender

&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;· 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;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;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 12 October 15, 2025

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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;· 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;· 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;· 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;· Location map

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**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) |
| &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 |  |
| &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)

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

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 19 October 15, 2025

![](ex99-4_002.jpg)

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;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:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**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) |  |

---

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:

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 20 October 15, 2025

![](ex99-4_002.jpg)

**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.© 2025 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

BARC 2025-NQM6 Due Diligence Narrative Report Page \| 21 October 15, 2025

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *48* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **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** |
| 6496981 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493547 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6493548 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493549 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6496949 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493550 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493552 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493553 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6493554 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6496950 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493555 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Employed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493556 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493557 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493558 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496952 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493559 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493560 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493562 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496953 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493563 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496954 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496955 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493564 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 6496956 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493565 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496957 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496958 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6493567 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493568 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496959 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6493569 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496960 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496961 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496962 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6493571 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493572 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6496963 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496964 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496966 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 6496967 | ATR/QM: Exempt | No | N/A | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | XXXX | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6493573 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13325 | XXXXXX | XXXX | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXX |
| 6493574 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8670 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXX |
| 6493575 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 17320 | XXXXXX | XXXX | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | XXXX |
| 6493576 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7770 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXX |
| 6493577 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14235 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXX |
| 6496969 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 38486.56 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXX |
| 6496970 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5935 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | No | Yes | XXXX |
| 6496971 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5868 | XXXXXX | XXXX | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXX |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *48* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 6493557 | XXXXXX | Representative Credit Score for Grading | 664 | 665 |
| 6496952 | XXXXXX | Representative Credit Score for Grading | 728 | 751 |
| 6496954 | XXXXXX | Representative Credit Score for Grading | 700 | 672 |
| 6493568 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 6493574 | XXXXXX | Debt to Income Ratio (Back) | 50.4000 | 41.5739 |
| 6496970 | XXXXXX | Debt to Income Ratio (Back) | 33.3000 | 39.9595 |
|©2025 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. |©2025 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. |©2025 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. |©2025 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. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *48* | *48* | *48* | *48* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *24* | *24* | *24* | *24* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 6496981 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Provide corrected final 1003 with borrowers' date of birth as indicated on passport XXX. | 07/29/2025 lender response: Corrected Commercial Application as 1003 reflecting correct DOB uploaded | 07/29/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x19.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of XXXX or XXXX mos. Reserves required 0 mos. |
| 6496981 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Provide corrected Fraud report with borrowers' date of birth as indicated on passport XXX. | 07/30/2025 lender response: XXX report reflecting correct DOB uploaded | 07/30/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x19.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of XXXX or XXXX mos. Reserves required 0 mos. |
| 6496981 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete | No | Provide corrected credit report with borrowers' date of birth as indicated on passport XXX. | 07/28/2025- Client provided revised credit report reflecting correct DOB. | 07/28/2025- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x19.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of XXXX or XXXX mos. Reserves required 0 mos. |
| 6493547 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan approved at 70% LTV. Max LTV for condotel in XXX is 65% for rate/term refinance. Exception approval on the LAW in file. | 07/22/2025 lender provided Updated ULAW07/22/2025 response: Upon further review by Underwriter, exception considered non-material; Final Grade B. Comp Factors for Reserves and Mortgage Payment History.07/22/2025 client acknowledged exception | 07/22/2025 Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves $XXXX, none required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is positive for the review period. |
| 6493548 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for XX years. |
| 6493549 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 66.04% exceed maximum LTV of 65% for ITIN with Fico > or equal to 700 for a cash out refinance. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 702 is > the minimum of 640. |
| 6496949 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for XX months when 12 months are required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXXX or XXXX months PITI, guidelines required 0 months PITI. |
| 6493550 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 exceeds guidelines 660. |
| 6493552 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has one open/active tradeline; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied the primary residence for XX years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 74% and guidelines allow the HCLTV to be 80% |
| 6493553 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 686 exceeds min score requirement of 675. |
| 6493554 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive. |
| 6496950 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99. |
| 6493555 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide documentation to support appraisal market rents for subject property XXX. Additional conditions may apply. | 07/21/2025 lender provided 1007 | 07/21/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for XX years.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduction from XXX to XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score. Min required per guidelines is 740. |
| 6493555 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing borrowers Social Security Card or SSA-89 results. | 07/08/2025 lender provided SSA form 89 | 07/08/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for XX years.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduction from XXX to XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score. Min required per guidelines is 740. |
| 6493555 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 75% exceeds the maximum with DSCR <1.0 of 70%. Lender approval in file. | 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 XX years.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduction from XXX to XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 qualifying score. Min required per guidelines is 740. |
| 6493556 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing the borrowers Social Security Card or SSA-89 results. | 07/08/2025 lender provided SSA form 89 | 07/08/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for XX years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: VOM in file shows no late mortgage payments. |
| 6493556 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 75% is below the maximum of 70% for DSCR loan with ratio less than 1.0. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for XX years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: VOM in file shows no late mortgage payments. |
| 6493557 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 665 FICO score. Minimum required 660.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with XX months reviewed reporting 0 late payments. |
| 6493558 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $XXXX exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 723 exceeds guidelines 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: B1 has mortgage payment history 0x30 since 1/20XX. |
| 6496952 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 is > the minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Subjects 1st mortgage was reviewed for XX months with 0 x 30. |
| 6493559 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score 686 is below the minimum of 700 to escrow waiver. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 686 exceeds min score requirement of 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: XX years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.01% is below guideline requirement of 50%. |
| 6493560 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | This transaction is part of the purchase of 10 properties, the maximum number of loans to one borrower is 4. No exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified assets $XXXX Funds to close $XXXX = Post-closing reserves $XXXX, none required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for XX years. |
| 6493562 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below in 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XX years at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no mortgage lates listed on credit report. |
| 6496953 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 65%with SCR < 1.00; subject LTV is 72.37% | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 is 160 points above minimum program requirement of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have XX months mortgage payment history 0x30. |
| 6493563 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Missing Rent Loss insurance coverage, per guidelines | 07/18/2025 lender response: Uploaded email string from insurance agent to affirm rent loss applies as it pertains to XXX to a maximum of XXX | 07/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XX years and XX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $XXXX less cash from borrower $XXXX equals $XXXX or XXXX months PITIA. |
| 6496954 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score 672 is below the minimum requirements for rural properties of 700. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 10/2014. |
| 6496954 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC150 | Income docs do not meet guidelines | No | Missing 3 mos proof of rental income receipt as required per GL. File only contained new lease agreement along with proof of 1st mos rent & security deposit. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 10/2014. |
| 6496954 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing title | 07/07/2025 lender provided Title report | 07/07/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 10/2014. |
| 6496955 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | C | A | A | A | C | B | C | A | C | B | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing verification that the insurance coverage matches the full insurable value of the collateral property and the insurance coverage amount is less than the loan amount. | 08/04/2025 lender provided RCE | 08/04/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for XX years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive over the review period. |
| 6496955 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | C | A | A | A | C | B | C | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Appraised value of XXX is not supported by the desk review in file showing a value of XXX. Variance is greater than the 10% tolerance. No additional updated valuation in file. | 07/21/2025 lender provided Correct Desk Review | 07/21/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for XX years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history reporting to credit is positive over the review period. |
| 6493564 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Missing complete appraisal with interior/exterior photos of the subject & all comps. File contains pages 1-3 of the 1004 | 07/03/2025 lender provided Appraisal | 07/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XXXX mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 is > the minimum of 660. |
| 6493564 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR284 | Appraiser License Missing | No | Missing complete appraisal to include appraiser license. File contains pages 1-3 of the 1004. | 07/03/2025 lender provided Appraisal | 07/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XXXX mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 is > the minimum of 660. |
| 6493564 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing FNMA Form #1007/ Market Rent analysis to support monthly rental income of XXX | 07/03/2025 lender provided Appraisal | 07/03/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XXXX mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 is > the minimum of 660. |
| 6496956 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing documentation to support HELOC with XXX, XXX is closed to future draws. | 07/23/2025 lender response: Uploading ULAW to show corrected to mortgage and not HELOC and preliminary title that does not include any HELOC language or freeze letter requirements. UW erroneously tagged the 2nd as a HELOC but it was a standard 2nd TD. | 07/23/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current principal residence for XX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 684 is > the minimum of 660. |
| 6493565 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XX years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on consumer credit past 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $XXXX exceed reserves required. |
| 6496957 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for XX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is < the maximum of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 660 is > the minimum of 640. |
| 6496958 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current owner occupied residence for XX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 qualifying score. Min required per guidelines is 680<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 72 months when 12 months are required. |
| 6493567 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.77 is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 713 is > the minimum of 640. |
| 6493568 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 675 FICO score. Minimum required 640.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has an excellent mortgage payment history with XX months reviewed reporting 0 late payments. |
| 6496959 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for XX years and XX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 686 is > the minimum of 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is < the maximum of 75%. |
| 6493569 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 715 exceeds guidelines 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history since 2/2021.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit shows no lates on credit report. |
| 6496960 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 668 exceeds min score requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: VORM for rent history reflects 0 x 30 for the past XX months. |
| 6496961 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 660 exceeds min score requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past XX months. |
| 6496962 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open and active revolving account with 44 months reviewed and only 2 reported credit scores. Per guidelines, if only 2 credit scores are reported the borrower is required to have 2 tradelines with a 24 month history or 3 tradelines with a 12 month history. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is > the minimum of 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX . CTC $XXXX leaves reserves of $XXXX or XX mos. Reserves required 0 mos. |
| 6493571 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is > the minimum of 640. |
| 6493572 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing signed HUD reflecting net proceeds of $XXXX for the refinance of XXX. Unsigned HUD in file reflects net proceeds of $XXXX. | 07/16/2025 lender provided FSS for XXX file XXX | 07/16/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XX mos. Reserves required 0 mos. |
| 6493572 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing previous mortgage payment history with XXX for the property located at XXX. Property recently refinanced on XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XX mos. Reserves required 0 mos. |
| 6493572 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Flood Insurance effective date per policy declarations is XXX - XXX; Note Date XXX. Email from Insurance Company reflects the Declaration page is being updated with an effective date of XXX. | 07/23/2025 lender provided Flood declaration reflecting corrected effective date | 07/23/2025 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is > the minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XX mos. Reserves required 0 mos. |
| 6496963 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 720.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with XX months reviewed reporting 0 late payments. |
| 6496964 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Authorization Agreement for Automated Clearing House (ACH) Mortgage Payment. | 07/21/2025 lender provided ACH | 07/21/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.79% is < the maximum LTV of 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 621 is > the minimum credit score of 600. |
| 6496966 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Assets | Waived | B | B | B | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing name of depository institution on the gift letter. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is > the minimum of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for XX years. |
| 6496966 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Title | Waived | B | B | B | B | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title commitment reflects the proposed insured in Guarantors name only, Mortgage reflects title in the name of the Entity. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is < the maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 669 is > the minimum of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for XX years. |
| 6496967 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Missing proof of sale of property located at XXX SHORT FUNDS to close $XXXX | 07/22/2025 lender response: Final HUD for XXX reflecting Net proceed uploaded | 07/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for XX year XX months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is 0 x 30 on 2 paid in full mortgages. |
| 6493573 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 7.3.25-Client provided Initial CD issued XXX & e-signed XXX | 7.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XX years and XX months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640. File credit score 680. |
| 6493573 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 7.3.25-Client provided Initial CD issued XXX & e-signed XXX. | 7.3.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XX years and XX months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640. File credit score 680. |
| 6493573 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 79.25% exceeds guidelines requirement of 75% for cash-out refinance. Lender approval exception provided . | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: XX years and XX months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640. File credit score 680. |
| 6493574 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX since XXX or XX years XX months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, XX years XX months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X54. |
| 6493575 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $XXXX. Cash to close $XXXX with reserves $XXXX. Required reserves $XXXX and short reserves $XXXX. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 688 exceeds min score requirement of 675.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history including previous mortgage loan on credit report is 0x30x37.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XX years. |
| 6493576 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | LTV/CLTV | Satisfied | C | A | C | A | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV for first time home buyer with no documented housing history is 70%. Loan approved at 90% LTV. No exception approval in file. | 07/22/2025 lender response: Uploading rent checks and bank statements showing history and clearance. | 07/22/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for XX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XX mos. Reserves required 12 mos.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history during the review period. |
| 6493577 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XX years and XX months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XX years and XX months at current profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 43% File 33.07%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 640. File credit score 662. |
| 6496969 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof Initial CD issued XXX was received at least 3 business days prior to Closing. | 7.24.25 Client provided Initial CD issued & e-signed XXX | 7.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XXXX mos. Reserves required 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX business owner for over XX years. |
| 6496969 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Final LE issued XXX | 7.24.25-Client provided LE issued & e-signed XXX | 7.24.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XXXX mos. Reserves required 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX business owner for over XX years. |
| 6496969 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3256 | Seller contributions exceed guideline requirements | No | Seller contribution of xxx exceeds max 3% allowable for LTV > 80%. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $XXXX. CTC $XXXX leaves reserves of $XXXX or XX mos. Reserves required 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX business owner for over XX years. |
| 6496970 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: XX Years and XX months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XX years and XX months at current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 600. File credit score 658. |
| 6496971 | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 50.49% File 15.28%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: XX years and XX months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XX years and XX months at current profession |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *48* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *24* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Loan Credit Grade** | **Final Securitization Loan Credit Grade** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Loan Credit Grade** | **Final S&P Loan Credit Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 6496981 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 6493547 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 6493548 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6493549 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 6496949 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6493550 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6493552 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 6493553 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6493554 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 6496950 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6493555 | N/A | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 6493556 | N/A | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 6493557 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6493558 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496952 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 6493559 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 6493560 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 6493562 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496953 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6493563 | N/A | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 6496954 | N/A | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Yes |
| 6496955 | N/A | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | B | C | A | C | B | A | A | No |
| 6493564 | N/A | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 6496956 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 6493565 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6496957 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496958 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6493567 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6493568 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6496959 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6493569 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496960 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6496961 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496962 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 6493571 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6493572 | N/A | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 6496963 | N/A | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 6496964 | N/A | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 6496966 | N/A | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 6496967 | N/A | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6493573 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 6493574 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 6493575 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 6493576 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6493577 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496969 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Yes |
| 6496970 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6496971 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *48* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 6496981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 6496949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 6493550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 6496950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | -2.20% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6496954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 6496956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493565 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 6496957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 6496958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6496959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 6496962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6493571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 6493572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6496966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6496967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 6493575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 6493576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6493577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 6496970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 6496971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  | Not Applicable |  | $0.00 | $0.00 | 0.00% |  | 0 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *48* | *48* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| 6496981 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.0952 | (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) |
| 6493547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | Yes | Yes | XXXX | No | XXXX | 1.5732 | (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) | Other | (No Data) | (No Data) |
| 6493548 | 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) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (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) | XXXX | 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 | XXXX | No | XXXX | 0.8511 | (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) |
| 6493549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.1875 | (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) | Other | (No Data) | (No Data) |
| 6496949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | No | XXXX | Yes | XXXX | 1.2155 | (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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (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) | XXXX | 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 | No | XXXX | Yes | XXXX | 1.0613 | (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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.1158 | (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) |
| 6493553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (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 amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.6250 | 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) | XXXX | 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 | No | XXXX | Yes | XXXX | 1.0569 | (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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 6493554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | No | XXXX | Yes | XXXX | 1.0048 | (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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | Other | (No Data) | (No Data) |
| 6496950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.2057 | (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) |
| 6493555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 0.8726 | (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) |
| 6493556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 0.8604 | (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) |
| 6493557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | 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 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 8.7500 | Yes | No | 3 | (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 | 41.8 | 0 | 41.8 | 41.8 | 41.8 | (No Data) | (No Data) | (No Data) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 54 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.4039 | (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) |
| 6496952 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.0106 | (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) |
| 6493559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | Yes | No | 0 | (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 | 32.01 | 0 | 32.01 | 32.01 | 32.01 | (No Data) | (No Data) | (No Data) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.3469 | (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) |
| 6493562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 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 | 8.5000 | 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) | XXXX | 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 | XXXX | No | XXXX | 1.1918 | (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) |
| 6496953 | 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) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2.4 | (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) | XXXX | 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 | XXXX | No | XXXX | 0.9440 | (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) |
| 6493563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.4512 | (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) |
| 6496954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Manufactured (Dbl) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.9990 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | No | XXXX | Yes | XXXX | 1.6268 | (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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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 | 7.3750 | 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) | XXXX | 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 | No | XXXX | Yes | XXXX | 1.1028 | (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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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 | 7.7501 | 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) | XXXX | 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 | XXXX | No | XXXX | 1.0285 | (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 | Other | Other | (No Data) | (No Data) |
| 6496956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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 | 7.3750 | 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) | XXXX | 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 | XXXX | No | XXXX | 1.3371 | (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) |
| 6493565 | 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) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9991 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.0632 | (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) |
| 6496957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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 | 7.5000 | 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) | XXXX | 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 | Yes | No | XXXX | Yes | XXXX | 1.2615 | (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/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | 13 | XXXXXX | XXXX | XXXXXX | XXXX | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.6224 | (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) |
| 6493567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.5707 | (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) |
| 6493568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.1199 | (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) |
| 6496959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | 3 Family | 3 | 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 >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | 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) | XXXX | 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 | XXXX | No | XXXX | 1.3805 | (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 | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 6493569 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.0997 | (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) |
| 6496960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 1.2265 | (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) |
| 6496961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.7500 | Yes | No | 3 | (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 | 38.89 | 0 | 38.89 | 38.89 | 38.89 | (No Data) | (No Data) | (No Data) | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (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 | 7.8751 | 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) | XXXX | 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 | XXXX | No | XXXX | 1.3652 | (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 | Green Card | (No Data) | (No Data) | (No Data) |
| 6493571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.2291 | (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) |
| 6493572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 11.6250 | No | No | 0 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.0182 | (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) |
| 6496963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.3750 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | No | XXXX | Yes | XXXX | 1.2448 | (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/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | 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 amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.9990 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 0.9639 | (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) |
| 6496966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | 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) | XXXX | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (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 | XXXX | No | XXXX | 0.9947 | (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) |
| 6496967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (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) | XXXX | 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 | XXXX | No | XXXX | 1.0701 | (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) |
| 6493573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.7572 | Yes | Yes | 3.292 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | Other | (No Data) | (No Data) | (No Data) |
| 6493574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.8726 | Yes | No | 2.245 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 50.36 | 41.57 | 50.36 | 41.57 | 41.57 | 41.57 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | CPA Letter - 132 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.4674 | Yes | Yes | 4.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | 18.3 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 6493576 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.9831 | No | No | 1.763 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.69 | 45.69 | 45.69 | 45.69 | 45.69 | 45.69 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6493577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3584 | Yes | Yes | 3.266 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.78 | 33.07 | 32.78 | 33.07 | 33.07 | 33.07 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9672 | Yes | Yes | 4.56 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.03 | 42.06 | 42.03 | 42.06 | 42.06 | 42.06 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Second Home | Manufactured (Dbl) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.6500 | Yes | Yes | 3.309 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.27 | 39.96 | 33.27 | 39.96 | 39.96 | 39.96 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | No | XXXXXX | 0 | XXXXXX | 0 | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| 6496971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.0940 | Yes | Yes | 4.106 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 15.28 | 15.28 | 15.28 | 15.28 | 15.28 | 15.28 | Yes | Yes | Yes | XXXX | 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 | No | XXXX | No | XXXX | (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) | Yes | 12 | 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) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | 7 | XXXXXX | XXXX | XXXXXX | XXXX | No | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 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 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

BARC 2025-NQM6

Dated: October 14, 2025

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

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![](ex99-5_002.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 21 loans, consisting of 7 Residential Loans and 14 Business Purpose loans, totaling an aggregate original principal balance of approximately $5,402,901.00 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:

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

---

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| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

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![](ex99-5_002.jpg)

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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| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| Page |

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![](ex99-5_002.jpg)

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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|:---|:---|:---|
| ![](ex99-5_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| Page |

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![](ex99-5_002.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

&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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| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| Page |

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![](ex99-5_002.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**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;33.33% |
| &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;14 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &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;19 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% |
| &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;**21** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &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;**21** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
| ![](ex99-5_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| Page |

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![](ex99-5_002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% |
| &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;**21** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;21 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.05% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;21 | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;21 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;21 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;21 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;21 | &nbsp;&nbsp;61.90% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;5 | &nbsp;&nbsp;21 | &nbsp;&nbsp;23.81% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.05% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.05% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;10 | &nbsp;&nbsp;21 | &nbsp;&nbsp;47.62% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;17 | &nbsp;&nbsp;21 | &nbsp;&nbsp;80.95% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;8 | &nbsp;&nbsp;21 | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;21 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;5 | &nbsp;&nbsp;21 | &nbsp;&nbsp;23.81% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;21 | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;19 | &nbsp;&nbsp;21 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;8 | &nbsp;&nbsp;21 | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;14 | &nbsp;&nbsp;21 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;6 | &nbsp;&nbsp;21 | &nbsp;&nbsp;28.57% |

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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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> 

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

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

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

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

**(XI) FIRREA Review**

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the 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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Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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| ![](ex99-5_003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| Page |

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![](ex99-5_002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

**(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 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) | ![](ex99-5sch1_001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Alternative Doc | Verified |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXX | Verified |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | PUD-Detached | Verified |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.49676 | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.560 | 1.060 | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | NoCash-Out Refinance | Refinance (Refi) No - Limited Cash Out | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXX | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.250 | 1.070 | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXX | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Product Code | Full Doc | DSCR-Inv | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Amortization Type | Yes | Fixed | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original Amortization Term | XXXX | 360 | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Appraised Value |  | XXXX | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | DSCR |  | 1.130 | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type | Full | Debt Service Coverage | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Interest Only |  | N | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Maturity Date | XXXX | XXXX | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | XXXX | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code |  | DSCR-Inv | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Property Type | Attached | Single Family | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Sales Price |  | XXXXXXXXXX | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag | 689 | N | Verified |
| 1642499 | XXXXX | XXXXX | Doc Type | Reduced Doc | Bank Statement | Verified |
| 1642499 | XXXXX | XXXXX | First Payment Date | XXXX | XXXX | Verified |
| 1642499 | XXXXX | XXXXX | Original P&I |  | XXXX | Verified |
| 1642499 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1642499 | XXXXX | XXXXX | Prepayment Penalty |  | N | Verified |
| 1642499 | XXXXX | XXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1642499 | XXXXX | XXXXX | Qualifying DTI | 36.71000 | 0.36709 | Verified |
| 1643179 | XXXXX | XXXXX | DSCR |  | 2.540 | Verified |
| 1643179 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1643179 | XXXXX | XXXXX | Original P&I |  | XXXX | Verified |
| 1643179 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1643179 | XXXXX | XXXXX | Prepayment Penalty |  | Y | Verified |
| 1643179 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643179 | XXXXX | XXXXX | Property Type | Single Family | Four Family | Verified |
| 1643179 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1643179 | XXXXX | XXXXX | Qualifying DTI | 42.00000 |  | Verified |
| 1643179 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXX | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXX | DSCR-Inv | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 2-4 Units | Two Family | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | XXXX | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Product Code | XXXX | DSCR-Inv | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Property Type | 1 Unit | Single Family | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641636 | XXXXXXXXX | XXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXX | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXX | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1642332 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | DSCR | 1.466 | 1.530 | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXX | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | Original Interest Rate | XXXXXXX | XXXXXXX | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXX | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | Original P&I | XXXX | XXXX | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641135 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | Full | Bank Statement | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 15.58000 | 0.15579 | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 15.62000 | 0.15619 | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | XXXX | XXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Property Type | Single Family | PUD-Detached | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 42.37000 | 0.42875 | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1643733 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXX | XXXXXXXXXX | Verified |
| 1643260 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.671 | 1.640 | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1643257 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | DSCR |  | 0.270 | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | DSCR | 1.448 | 1.320 | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | First Payment Date |  | XXXX | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Maturity Date |  | XXXX | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1642526 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Property Type | Condo | Condo-Hi >8 Stories | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 34.02000 | 0.34029 | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date |  | XXXX | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Loan Purpose | Simple Refinance | Refinance - Cash Out | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date |  | XXXX | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 11.18000 | 0.11052 | Verified |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

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| ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) | ![](ex99-5sch2_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL 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** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1641636 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642332 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641135 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1643733 | XXXXXXXXX | XXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1643260 | XXXXXXXXX | XXXXXXXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1643257 | XXXXXXXXX | XXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642526 | XXXXXXXXX | XXXXXXX | XXXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1642499 | XXXXX | XXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1643179 | XXXXX | XXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

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| ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) | ![](ex99-5sch3_001.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** |
| **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 Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | 7092574 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | HOI including rent loss coverage missing from file. | HOI reflects XXXXXX XXXX |  |  | 03/12/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | 7092575 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | FNMA XX score > X.X. XXX required. | Acceptable XXX provided. |  |  | 03/05/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | 7092576 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX and initial XXXX in file reflect employment information on a XXXX. | LDL #XX will review post-close |  |  | 03/05/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | 7141944 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a XXXXX XXXXX report on the subject property having a score of XXXXX or less. XXX the score exceeds XXXXX a secondary collateral evaluation will be required | Received XXXXX score- X |  |  | 05/29/2025 |  |  | A | 1 | XXXXXXXXXX | TN | 1 | 13 | C | A | A | A | A | A | C | A |  | Non-QM | 1 |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | 7142008 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide XXXXX XXXXX report with a score of XXXXX or lower. XXX the score is over XXXXX a secondary collateral evaluation will be required | Received desk review for XXXXXXXXX |  |  | 05/29/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | 7142009 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing signed and dated initial XXXX | Received |  |  | 06/18/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 | C | A | C | A | A | A | C | A |  | Non-QM | 1 |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | 7144527 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 06/25/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | 7142909 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a XXXXX XXXXX report showing a score of XXXXX or below. XXX the score is above XXXXX a secondary collateral evaluation will be required. | Received XXXXX XXXXX score - XXXX |  | Client 06/04/2025 11:27 AM; uploaded XXXXXXX waive condition thank you for reviewing <br>Reviewer 06/04/2025 12:13 PM; Condition has been reviewed. XXX<br>| 06/04/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 | C | A | A | A | C | A | C | A |  | Exempt | 1 |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | 7143710 | 973 | XXXXXXXXXX | Credit | Compliance |  | Compliance - CD- Other |  | Final XXXXXXXX XXXXXXXXXXX is provided, it must be fully executed, and all sections must be completed. XXXXXXX provide updated XXXXXXXX XXXXXXXXXXX that reflects the XXXXX XXXXXXXXX XXXXXXX also include all contact information for the XXXXXXXXXXX XXXXXX on XXXXXX of XXX | Document received |  | Client 06/18/2025 01:00 PM; Please be advised XXX was not used, it was omitted. XXXX XXXXXX XXXX is what was used.<br>Reviewer 06/18/2025 01:33 PM; <br>Reviewer 06/18/2025 02:03 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 06/18/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | 7143807 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXXXXXX | Received XXXX |  |  | 06/18/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | 7143994 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The client did not include the XXXX in XXXXX calculation. XXXX XXXXX is XXXXX which is limited to an XXXX of XXXXXX XXXXX loan is an XXXX purchase. | Condo questionnaire and XXX reflect XXXX of XXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX |  | Client 06/17/2025 12:06 PM; UW included XXXXXXXXX XXXX in XXXXXXXX XXXXXXXX XXXXXXXXXXX reflects next quarter XXXX dues XXXXXXXXXX which converts to XXXXXXXXXXXXXX XXX there an additional XXXX dues not reflected in the XXXXX XXXXXXXXX<br>Reviewer 06/17/2025 01:07 PM; <br>| 06/17/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | 7143977 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide secondary valuation as XXX score was not determined. | UCDP XXXX with a XXX score XXX |  |  | 06/30/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 | C | A | A | A | A | A | C | A |  | Non-QM | 1 |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | 7144121 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing XXXX XXX score. XX second collateral evaluation is required. | UCDP XXX XXXXXX XXXX |  | Client 06/24/2025 12:54 PM; FANNIE XXXX XXX score was uploaded on XXXXX showing XXXXX score<br>Reviewer 06/24/2025 01:52 PM; <br>| 06/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | 7144236 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXX XXXXXXXXXXXXX XXXX | XXXX provided |  |  | 06/24/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | 7144330 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 06/25/2025 |  |  | A | 1 | XXXXXXXXXX | LA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | 7144383 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing fraud report | Received fraud report cleared and XXX |  | Reviewer 06/24/2025 08:41 PM; Received XXXXXX report. XXXXXXXX lender comments for all high and medium alerts. XXXXXXXX clear XXXX search for XXXXXX XX and XXXXXX XXXXXXXX XXXXX<br>| 07/02/2025 |  |  | A | 1 | XXXXXXXXXX | LA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | 7144384 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception approval required for an XXXX exceeding XXXX (actual XXXXXX for a loan with XXXXX income documentation |  | Exception approval received for XXXX XXXXX XXXXX factors - XXXXXX reserves |  |  |  | 07/07/2025 | B | 2 | XXXXXXXXXX | LA | 1 | 1 | C | B | C | B | C | A | A | A |  | Non-QM | 1 |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7144475 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXXXX XXXXXXXXXXXX XXXXXXXXX documents for multi member XXXXXXXXX is a XXXXXXXXXXXX of XXXXXXXXXXX | Received the certificate of organization |  | Reviewer 06/26/2025 10:20 PM; Documents provided did not include the XXXX XXXXXXXXXXXX of XXXXXXXXX<br>| 06/27/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7144476 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXX |  |  | 06/26/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7144477 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the loan approval XXXXX once received, the loan may be subject to additional deficiencies. | Received final approval |  |  | 06/26/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7144340 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 06/26/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | 7144341 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Please provide page XX of the note with the signature line executed by the borrower. XXXXX all pages for review. | Information provided |  |  | 06/26/2025 |  |  | A | 1 | XXXXXXXXXX | PA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1643179 | XXXXX | XXXXX | 7146435 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 07/09/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1643179 | XXXXX | XXXXX | 7146436 | 666 | XXXXXXXXXX | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Please provide the XXXXXX XXXXXXXXXXXXXXXXXX XXXXXXXXXXX | Information provided |  |  | 07/09/2025 |  |  | A | 1 | XXXXXXXXXX | MO | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1643260 | XXXXXXXXX | XXXXXXXXX | 7145712 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum loan amount XXXXXXXXXXXX XXXXXXXX loan amount XXXXXXXXX |  | Exception allowing XXXXXXXXXXXX discretion regarding loan amounts less than XXXXXXXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor, reserves XXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXX XXXXX | Client 06/30/2025 04:40 PM; \* XXXXXXXXX_TDOC_exception email from XXXX for loan amount below XXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX - please see upload email from XXXXXXXX XXXX loan amount is allowed. XXXXXXX waive condition thank you for reviewing <br>Reviewer 06/30/2025 04:53 PM; <br>|  |  | 7/1/2025 | B | 2 | XXXXXXXXXX | IN | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1643733 | XXXXXXXXX | XXXXXXXXX | 7145934 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | A XXXXX XXXXX report with a score of XXXXX or below is missing. XXX the score exceeds XXXXXX a secondary collateral evaluation will be necessary. | UCDP XXX XXXXXX XXXX |  |  | 07/02/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1643733 | XXXXXXXXX | XXXXXXXXX | 7146576 | 861 | XXXXXXXXXX | Credit | Note |  | Note - Other: |  | Please provide the XXXXXXXXXXX XXXXXXXX XXXXXXXXX to the note. | Information provided |  |  | 07/14/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | C | A |  | Exempt | 1 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

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| ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) | ![](ex99-5sch4_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** |
| **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** |
| 1641636 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1642332 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXX | XXXX | 2.04% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641135 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1643733 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1643260 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1643257 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1642526 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1642499 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1643179 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXX | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) | ![](ex99-5sch5_001.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** | **Run Date - 10/14/2025 1:42:35 PM** |
| **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** |
| 1641636 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1642332 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1641135 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1641166 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXX | XX/XX/XXXX | XXXX | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | XXXX |
| 1641825 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  | XX/XX/XXXX | XXXX | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | XXXX |
| 1641157 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXX | XX/XX/XXXX | XXXX | Self-Employed | Not Required | US Citizen |  | US Citizen |  | Yes | XXXX |
| 1643733 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | Non Permanent Resident Alien | ITIN Card |  |  | No |  |
| 1643260 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1643257 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | Non Permanent Resident Alien | ITIN Card |  |  | No |  |
| 1615323 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1642917 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXX | XX/XX/XXXX | XXXX | Self-Employed |  | US Citizen |  |  |  | Yes | XXXX |
| 1642501 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1642394 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1642925 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XX/XX/XXXX | XXXX | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1642526 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1641746 | XXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXX | XX/XX/XXXX | XXXX | Self-Employed |  | US Citizen |  |  |  | Yes | XXXX |
| 1642499 | XXXXX | XXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXX | XX/XX/XXXX | XXXX | Self-Employed |  | US Citizen |  |  |  | Yes | XXXX |
| 1643179 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | XX/XX/XXXX | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1642444 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | XXXX |  | XXXX | Self-Employed |  | US Citizen |  |  |  | Yes | XXXX |
| 1642607 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |
| 1642275 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | XXXX | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.6

**Exhibit 99.6**

BARC 2025-NQM6<br>

Opus Capital Markets Consultants, LLC<br>

&nbsp;&nbsp;300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**May 8, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Barclays Capital Inc.**

The report summarizes the results of a due diligence review performed on a pool of 1 loan, of which were purchased by Barclays Capital Inc. ("Customer") via reliance letter, and for which the Originators provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of the loan.

As detailed herein, the pool contains 1 NQM loan that was re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

j) **Compensating Factors:** Verify exceptions to the Client
provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

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

**a) Collateral Docs**

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

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

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

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

**b) Closing Docs**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notice
of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice
of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Closing
Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs<br>** 

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset
Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Wipro Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures
within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on Final TIL must be within tolerance
1/8 or ¼ of percent difference in APR based on regular or irregular payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Home Ownership Equity Protection Act (HOEPA) testing, to include:<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated,
no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Federal Higher Priced Mortgage Loan Testing**, to
include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a
free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping'
definition, a second appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent
sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans with an Application Date
prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will confirm compliance with current RESPA requirements
in effect at origination of the Mortgage Loan including the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided to the borrower(s) within three
days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application shall be defined by Regulation X and generally
be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan
originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's
policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that all Broker fees, including
Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to ensure they are reasonable and
customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected
in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether a Changed Circumstance form
is required to accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that
was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction
that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or
transaction, including boundary disputes, need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator
is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed
circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower
or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related
to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms.
All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will confirm compliance with current
RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1
form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and
YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm
compliance with current RESPA requirements in effect at origination of the Mortgage Loan 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;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately reflected in
the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided borrower
adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed
between the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately reflects
fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**g)** **QM / ATR (QUALIFIED MORTGAGE/ABILITY TO REPAY) DODD FRANK REVIEW** 

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **QM/ATR (Qualified Mortgage/Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a.** **Ability to Repay** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant will incorporate
checkpoints for the ATR's eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any
transactions subject to QM that fall outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM
criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails
or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify
all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications
of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments
for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous
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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage
related obligations for the proposed 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or
residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. If all of the verifications
are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit
exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation
to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing
the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported
as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b.** **Qualified Mortgage** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes
review of all available QM types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications
taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications
taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications
taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications
taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications
taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Generally Applicable Factors** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The following factors are reviewed for Legacy, Revised,
and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides for regular periodic payments
that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and fees do not exceed the applicable
threshold for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **QM Rules Points and Fees Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that
exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan originator compensation – Compensation/YSP known
at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its
QM 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;iv. Real estate-related fees if the creditor receives direct
or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge
is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance, credit property insurance,
and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage 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;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal
to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before
the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining
the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer;
if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed
APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed
(values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than
or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but
less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 5 percent of the total loan amount for a loan greater than
or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but
less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than
$12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Legacy QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above,
all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount of the monthly payment on the
loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous
loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and verifies income, assets, employment,
and debts in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. DTI. The DTI ratio of total monthly debt to total monthly
income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts will be included in the
QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support
and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less
than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of
Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Revised QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above,
all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **Monthly Payment.** The amount of the monthly payment
on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous
loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Consider and Verify.** The creditor must consider
and verify the consumer's current or reasonably expected income or assets other than the value of the dwelling (including any real
property attached to the dwelling) that secures the loan, debt obligations, alimony, child support, and debt-to-income ratio or residual
income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** As part of the "consider"
requirement, Consultant will review the (a) creditor's policies and procedures provided by Client, as well as any exceptions thereto,
for how the creditor takes into account the underwriting factors enumerated above, and (b) the documentation retained by creditor, such
as an underwriting worksheet or a final automated underwriting system certification in combination with the
creditor's applicable underwriting standards and any applicable exceptions described in its policies and procedures , showing
how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor is deemed to have complied with
the "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Chapters 9 through 11 of the U.S. Department of Agriculture's
Handbook for the Single-Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For purposes of compliance with the requirement to verify
through reasonably reliable third-party records, a creditor need only comply with those provisions in the manuals that require creditors
to verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Revised versions of manuals. A creditor also complies with
the verification requirement where it complies with revised versions of the manuals listed above, provided that the two versions are "substantially
similar."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Revised QM Rule permits the creditor to "mix
and match" verification standards from different agency manuals. Consultant will test the creditor's "verification"
of third- party records in instances when the creditor either uses (a) its own procedures or alternatively, (b) the verification standards
of one or more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Note: the creditor (or client, as the case may be,) must
provide written policies and procedures and related documentation such as underwriter worksheets in order for Consultant to review loans
under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further,
if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must
specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income,
assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and
obligations as income, assets, debt obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s)
issuance, publication or revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals
listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility
of the creditor (or client, as the case may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Note: due to the inherent subjectivity of the foregoing
"consider" and "verify" requirements, Consultant will review the creditor's (or client's, as the case
may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of
whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets
and verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator,
rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not
exceed APOR for a comparable transaction as of the date the interest rate is set the following loan amount thresholds (values marked with
"\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with
a loan amount greater than or equal to '$110,260,\* 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with
a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with
a loan amount less than $66,156,\* 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a subordinate-lien loan
with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan
with a loan amount less than $66,156\*, 6.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a first-lien loan secured
by a manufactured home with loan amount less than $110,260\*, 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The
APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv.** **ATR Presumptions for Revised QM 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien transactions, a loan receives
a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM
compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest
rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien loan receives a rebuttable
presumption that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points
or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien
transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above,
all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan 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;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the
U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38
CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan 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;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test
(Legacy QM), APR-APOR spread test (Revised QM), or guideline review (TQM) and the Points and Fees test will result in the following available
compliance conditions as requested by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will
be provided to establish Verified Safe Harbor designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** **Legacy and Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions
will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction
if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage
points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium
factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions** 

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

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;• The
Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;• The
Loan Purpose and Property Type includes a closed-end mortgage secured by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance (Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded
based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;• The
Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;• For
purposes of determination of Occupancy, TRID applies to loans for owner occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;• Wipro
Opus will apply the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by
five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Wipro Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**

&nbsp;&nbsp;&nbsp;&nbsp;1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application
Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business
days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures
in the mail, 1026.19(e)(1)(b) If the LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro
Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement
and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;• Verification
that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections)
and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of
the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;• General
loan information and loan terms sections completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow
the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed
on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;• "Can
this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate
based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• If
rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;• Settlement
charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees
are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;• Projected
Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information
known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;• The
Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• Fees
disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″)
in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;• It
is recommended that an Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine
if the fees are disclosed properly without this information.

&nbsp;&nbsp;&nbsp;&nbsp;• Any
addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;• If
Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed
and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;• If
ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;• The
Comparison section is complete and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• In
5 Years calculations for Total of Payments (TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page
1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• APR
is accurate within tolerance based on the terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;• Total
interest Percentage (TIP) is accurate based on the loan terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• Rounding
rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;• Other
Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

○ Changed Circumstance affecting settlement charges

○ Change Circumstance affecting eligibility

○ Revisions requested by the consumer

○ Interest rate dependent charges

○ Expiration of the LE and

○ Delayed settlement date on a construction loan

○ Timing Requirement for LE 7 days prior to consummation<br>

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Review
and analyze each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in
charges subject to variances without valid reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued
without a valid reason, the previous valid LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure.
[Also see Variance Tests and Closing Disclosure for COC/BRC events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of compliance with timing requirements that there have been no loan estimates provided to the borrower after a Closing Disclosure has
been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections)
and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of
the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• General
loan information and loan terms sections completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verify
loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verify
all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
rate is locked, were lock expiration date, time and time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Settlement
charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees
are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Projected
Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information
known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″)
in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• It
is recommended that an Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine
if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed
and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rounding
rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other
Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
paid to the lender, broker or an affiliate of either lender or broker [fees paid to an affiliate of the lender for services NOT required
by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transfer
taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender
Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Recording
fees; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's
Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid
mortgage insurance will be treated as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it
will be treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Client
considers seller-paid fees or fees paid by third-parties as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i)
– (iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid
interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the
lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Charges
for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid
property taxes charged by local and state governments periodically will have no tolerance under the general 'best information reasonably
available' standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• As
noted above, Wipro Opus will review the loan file for evidence the disclosure was not made in "Good Faith". "Good faith"
means the creditor made the estimate based on the information reasonably available to them at the time the LE was provided. Absent such
evidence, Wipro Opus will consider the disclosures made in "good faith". Two examples where a disclosure would be considered
not made in "good faith" and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails
to include a homeowner's insurance premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the
month but estimates prepaid interest to be paid from the 30th of that month, a finding will be added that the LE was not issued in good
faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Review
for documentation itemizing fees from the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only
if a tolerance violation occurs. If no fee itemization is found, tolerance testing will be performed based on the information in the
disclosures and a tolerance violation will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance
report, if the file contains the referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For
loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance
with permitted variances against fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For
loans with an Interim LE, the following procedures will be applied:

○ Review of each Interim LE and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In
cases where an Interim LE is issued with several fee increases, but only some are supported by or related to a valid COC or BRC, those
fees which are not supported by or related to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business
days of changed circumstance) will be tested for variance using the amounts disclosed in the Initial LE previously valid LE.<br>

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Wipro
Opus will conduct a general CD review and verify the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Recommendation:
Closing Disclosure provided at closing be marked "Final." Although this is not a requirement, marking the Closing Disclosure
as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• That
the correct form is used and all sections of the CD are completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Acknowledgement
of receipt by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided
with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
the CD does not contain a signature line for the consumer's signature, Wipro Opus will look for the required alternative statement
in "Other Disclosures" with the heading of "Loan Acceptance". While not required, WIPRO OPUS highly recommends
that the client require the CD to be signed and dated by the consumer as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
a subsequent CD is issued having changes to (a) the loan product which affects disclosed terms and loan information; (b) the addition
of a prepayment penalty; or (c) an APR which exceeds the previously disclosed APR by more than 1/8 or ¼ of one percent on regular
or irregular transactions, as the case may be for accuracy. Consultant will test that the borrower was given an additional three (3)-business
day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the
APR, and that the final pre-close CD has been received by borrower by consummation. APR reductions beyond these tolerances require the
additional 3 day waiting period unless the overstated APR was based on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On
the interim and final pre-close CDs the following checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verification
of the technical formatting of the CD is out of scope in the standard review. The formatting of the document is the responsibility of
the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Closing,
Transaction and Loan Information sections have been completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
terms sections are completed.

○ Wipro Opus will verify loan term, purpose, and product descriptions follow the prescribed format.

○ Wipro Opus will verify all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Projected
Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Fees
have been disclosed properly (alphabetically, correct buckets and all title fees start with ″Title – ″) in Closing
Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any
addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Calculating
Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Summaries
of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Disclosures section complete:

○ CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

○ Late Payment completed properly (terms disclosed and accurate per note).

○ Escrow Amount section completed properly (only one box selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow
Property Costs over Year 1 to be calculated per the payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed
Property Costs over 1 Year to be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
Interest Only, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Calculations section complete and accurate.

○ Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include
fees in section A, B, and C that are paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

○ Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

○ Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
Disclosures section complete with at least one choice selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review
for the creditor's selection of one of the two options in the Liability After Foreclosure section, but will not make an independent
judgment whether or not the selection is correct for the property state. Only issue a condition if either no selection is made or if
both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact
Information section is complete with information from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding
rules verified as per 1026.38(t)(4). Rounding on all percentages except APR is percentages should be truncated so that a zero is not
disclosed in the last decimal place (7.250 should be rounded to 7.25).<br>

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In
Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\*
- No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\*
- With Receipt Confirmation in File, date of receipt confirmation is used.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\*
- Delivery confirmation of an email, assuming the borrower(s) have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mail
(USPS or other parcel delivery service) – No Receipt Confirmation in File: three (3) business days from later of document issue
date or proof of mailing date is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s)
door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt,
for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Use
of TRID forms prior to TRID effective date: a finding will be cited if the new TRID forms are utilized on a loan with an application
received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Use
of TRID forms on loans not covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e.,
HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that are not also secured by the underlying real property
or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your
Home Loan Toolkit: a finding will be cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed
in the mail is not in the file or was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Consummation
Date: Consummation varies by applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date.
If there are multiple borrowers and they do not all sign the documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Post-Consummation
Disclosures: TRID review scope will not include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.<br>

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If
within 30 days of consummation, an event in connection with the settlement of the transaction occurs that causes the final CD to become
inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for
evidence that a new, corrected CD is delivered or placed in the mail to the borrower within thirty (30) days of receiving information
that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-numeric
clerical errors, for the purpose of this scope document are any error not related to a disclosed dollar amount or percentage. Test for
evidence a new, corrected CD is delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples
of non-numeric clerical errors include but are not limited to:

○ Corrections to the closing information section.

○ Corrections to the transaction information section.

○ Corrections to loan id # or MIC #.

○ Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

○ Corrections to the fee labels and/or order of fees.

○ Corrections to the location of the fee(s).

○ Corrections to missing cure language.

○ Corrections to the "Did This Change" section of Calculating Cash to Close.

○ Corrections to the Loan Disclosures section

○ Corrections to non-numeric items in the Escrow Account section.

○ Corrections to the Other Disclosures section.

○ Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1026.19(f)(2)(v)
– Refunds related to the good faith analysis.

○ Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

 **Additional Disclosures and Requirements:**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to
10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure
form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to
the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to
10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file
for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three
general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure
in file in the event the lender has affiliated business arrangements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement
in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided
at closing or within 45 days after settlement

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

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

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

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

**Fair Credit Report Act (Regulation V)**

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

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

**High-Cost, State & Local Anti-Predatory Regulations**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code
§ 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin.
Code §4995 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn.
Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat.
§§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078
et seq. (for loans closed before July 1, 2014).

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance,
Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program,
Illinois House Bill 4050 (2005).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat.
§ 360.100 et seq.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§
12-124.1; 12-127; 12- 409.1; 12-1029.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts
32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940
CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans,
209 CMR §§ 32.00 et.seq., as amended from time to time.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act,
§ 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284
(2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended
by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574
(2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006),
as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008
(uncodified).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis.
Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

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

**Homeowner's Flood Affordability Act (HFIAA)**

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

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

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business,
commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured
by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate
is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other
applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate,
cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review** 

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

1) Misrepresentation Review and Valuation Review

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Alerts:
Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Social
Security Numbers: Compare SSN(s) across all file documents.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Data
Consistency: Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Third
Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical
warnings are reviewed and addressed.

**Independent Third-Party Values**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value
is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications
(including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect
to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No
apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal
contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraiser
was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Wipro
Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

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

**Properties in FEMA declared disaster zones.**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No
apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property
appears to be occupied

**Data Compare**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

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

 **Moody's Investor Services Grading Criteria**

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

**Kroll Bond Rating Agency LLC Grading Criteria**

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

**S&P Global Ratings Grading Criteria**

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

**DBRS Morningstar Grading Criteria**

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

**Wipro Opus Grading Criteria**

1) Wipro Opus Grading Criteria

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

**Wipro Opus Credit Grades<br>** 

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

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

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

**Wipro Opus Property Grades<br>** 

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

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

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

**Wipro Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Level
1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

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

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

**REDACTED INFORMATION** ****

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan
Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including
City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Phone Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the
location of a property (e.g. neighborhood, body of water, schools, major highways)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Driver's License Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Email Addresses

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 1 | 100.00% |
| Conforming-GSE Eligible | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 6.000 - 6.499 | 0 | 0.00% |
| 6.500 - 6.999 | 0 | 0.00% |
| 7.000 - 7.499 | 0 | 0.00% |
| 7.500 - 7.999 | 1 | 100.00% |
| 8.000 - 8.499 | 0 | 0.00% |
| 8.500 - 8.999 | 0 | 0.00% |
| 9.000 - 9.499 | 0 | 0.00% |
| 9.500 - 9.999 | 0 | 0.00% |
| 10.000 - 10.499 | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 0 | 0.00% |
| Purchase | 1 | 100.00% |
| Rate / Term Refi | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 0 | 0.00% |
| ARM | 1 | 100.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 1 | 100.00% |
| Second Home | 0 | 0.00% |
| Investment Property | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;% of Pool |
| Single Family Detached | 1 | 100.00% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 0 | 0.00% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 0 | 0.00% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 0 | 0.00% |
| 20.01-30.00 | 1 | 100.00% |
| 30.01-40.00 | 0 | 0.00% |
| 40.01-45.00 | 0 | 0.00% |
| 45.01-50.00 | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| Non-QM: Lender documented all ATR UW<br> factors | <br> 1 | &nbsp;&nbsp; <br> 100.00% |
| **Total** | **1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;0.00-30.00 | 0 | 0.00% |
| 30.01-40.00 | 0 | 0.00% |
| 40.01-50.00 | 0 | 0.00% |
| 50.01-60.00 | 0 | 0.00% |
| 60.01-70.00 | 0 | 0.00% |
| 70.01-80.00 | 1 | 100.00% |
| 80.01-90.00 | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**1** |  |

---

**<u>Loan Grading Definitions</u>**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 23, 2025.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of<br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &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% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &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% |

---

**<u>Loan Reviewed (1)</u>**

6229315

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 6229315 |  |  | XXXX-XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.37 | 23.33 | Audit reflects difference in qualifying P & I than the approval.  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 6229315 |  |  | $X,XXX.XX C A B |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 6229315 |  |  | Closed | 2024-08-30 13:51 | 2024-09-03 16:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception provided, the finding will be graded a B or non-material - Due Diligence Vendor-09/03/2024 <br> Ready for Review-Document Uploaded. - Buyer-08/30/2024 <br> Open-Audited Loan Amount of $X,XXX.XX is greater than the Guideline Maximum Loan Amount of $X,XXX.XX . - Due Diligence Vendor-08/30/2024 |  | Waived-Exception provided, the finding will be graded a B or non-material - Due Diligence Vendor-09/03/2024<br>| Exception.pdf |  | FICO XXXX +86 pts>700 Min<br> 28 mo Res + 12 mos>12 Min<br> 35% DTI -20<55% Max<br> Res Inc XX.XK Mo | XX | Primary Residence | Purchase NA | 2284242 | Investor Post-Close | No |

---

## Exhibit 99.6

**Exhibit 99.6 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** | **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** |
| 6229315 |  |  | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | $X,XXX.XX | XX/XX/XXXX | 1004 URAR | $X,XXX.XX | 74.99 | 74.99 | $X,XXX.XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | $X,XXX.XX | $X,XXX.XX | .XXXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 6229315 |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | XXXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |

---